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Ok so a little update on my situation...Recently I did an app spree to get started on rebuilding my credit (last week). My scores were EQ 581 TU 581 and EX 600. I was approved for an NFCU credit card, Bloomingdales, Kohl's, and Capital One. I was denied for Chase (expected), Walmart and JCP (For some reason Synchrony hates me and I've never had a card with them).
I still have my $590 medical bill on my report which I'm going to pay off this week and I'll see what happens. It's been on my report for 5 months. The only score that has changed this past week was Experian (a payment for a bank loan) and it went up 18 points so its now at 618. I'm excited about that. I don't know when the others will update because it reports on all so hopefully it will make a difference on those as well.
Also, can anyone explain to me how to put my scores in my signature? Thank you!
Edit: Oh...I was denied for Discover and Amazon as well. (Like I said, Synchrony hates me but I didn't do my research in the beginning and didn't know much until I got here so had no idea they were all the same bank and that it factored into me getting approved. Hard pull inquiries wasted!
Oh...I was denied for Amazon as well. (Like I said, Synchrony hates me but I didn't do my research in the beginning and didn't know much until I got here so had no idea they were all the same bank and that it factored into me getting approved. Hard pull inquiries wasted!
Congrats on the approvals. Good luck with everything else.
@Anonymous wrote:Ok so a little update on my situation...Recently I did an app spree to get started on rebuilding my credit (last week). My scores were EQ 581 TU 581 and EX 600. I was approved for an NFCU credit card, Bloomingdales, Kohl's, and Capital One. I was denied for Chase (expected), Walmart and JCP (For some reason Synchrony hates me and I've never had a card with them).
I still have my $590 medical bill on my report which I'm going to pay off this week and I'll see what happens. It's been on my report for 5 months. The only score that has changed this past week was Experian (a payment for a bank loan) and it went up 18 points so its now at 618. I'm excited about that. I don't know when the others will update because it reports on all so hopefully it will make a difference on those as well.
Also, can anyone explain to me how to put my scores in my signature? Thank you!
Edit: Oh...I was denied for Discover and Amazon as well. (Like I said, Synchrony hates me but I didn't do my research in the beginning and didn't know much until I got here so had no idea they were all the same bank and that it factored into me getting approved. Hard pull inquiries wasted!
Big congrats on your success! I can relate to Synchrony! Have Sam's Club M/C & Amazon but only 1 auto cli. Not very friendly. But then there's Comenity! I hit their buttons every week to see what I can get. I think you're getting close to Chase.
Thank you!
Congrats on re-building...Synchrony is so bizarre, give it some more time and I agree on Chase, give it 6 months or so and try again.
@Anonymous wrote:Congrats on re-building...Synchrony is so bizarre, give it some more time and I agree on Chase, give it 6 months or so and try again.
What does Chase normally look for in scores/profile?
@Anonymous wrote:Ok so a little update on my situation...Recently I did an app spree to get started on rebuilding my credit (last week). My scores were EQ 581 TU 581 and EX 600. I was approved for an NFCU credit card, Bloomingdales, Kohl's, and Capital One. I was denied for Chase (expected), Walmart and JCP (For some reason Synchrony hates me and I've never had a card with them).
I still have my $590 medical bill on my report which I'm going to pay off this week and I'll see what happens. It's been on my report for 5 months. The only score that has changed this past week was Experian (a payment for a bank loan) and it went up 18 points so its now at 618. I'm excited about that. I don't know when the others will update because it reports on all so hopefully it will make a difference on those as well.
Also, can anyone explain to me how to put my scores in my signature? Thank you!
Edit: Oh...I was denied for Discover and Amazon as well. (Like I said, Synchrony hates me but I didn't do my research in the beginning and didn't know much until I got here so had no idea they were all the same bank and that it factored into me getting approved. Hard pull inquiries wasted!
Congrats!
Congrats!!
Congrats on your successes!