Help with capital One approval!!! Please!!!

[Anonymous]

Just wanted to say thanks yet one more time to everyone!! Got a call back today for the lady at the EO from capital one!! I got approved for $500!! I literally jumped I was so happy!! I can not believe they approved me! My scores that I had were fako scores come to find out the real scores were 10 points lower Thank I actually thought. So 560 to 590 and I was approved!! Is it true that just by getting the card my scores will go up? Anyone had any experience with this?

[bodyboy1]

>   Yay!  i knew they would give it to you..  and i knew it would be for $500,   please do yourself a favor.. (listen)    i Want you to use that card just like cash,   for gas for food..   for anything you would pay for with cash!..  DON'T GO OVER YOUR LIMIT.   And pay..  pay   pay! >   forget about Waiting for a statement,   go to the bank & pay $100..   go to the bank & pay $50 > go to the bank & pay $20  > pay what you Want & can > No worries,   the trick is USE THE CARD AND PAY WHAT YOU CAN > wait 90 days then go online  request a CLI...   please...  please   PLEASE DON'T ask for a credit increase befor 90 days.  & then    only after another 90 days or longer,     by the way   > Everyone is diff / With Capital one..    you may get an approval of $750..   you don't have to accept it..   wait another 3 days..  go back see if it went up.     alll i'm saying is CAPITAL ONE IS GIVING YOU A CHANCE,   be nice..  use & pay & be patient > don't look Needy.   Much Blessings!

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@Anonymous wrote:

Just wanted to say thanks yet one more time to everyone!! Got a call back today for the lady at the EO from capital one!! I got approved for $500!! I literally jumped I was so happy!! I can not believe they approved me! My scores that I had were fako scores come to find out the real scores were 10 points lower Thank I actually thought. So 560 to 590 and I was approved!! Is it true that just by getting the card my scores will go up? Anyone had any experience with this?

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[Anonymous]

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@Anonymous wrote:

Just wanted to say thanks yet one more time to everyone!! Got a call back today for the lady at the EO from capital one!! I got approved for $500!! I literally jumped I was so happy!! I can not believe they approved me! My scores that I had were fako scores come to find out the real scores were 10 points lower Thank I actually thought. So 560 to 590 and I was approved!! Is it true that just by getting the card my scores will go up? Anyone had any experience with this?

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Despite this thread inducing a migraine with the multitude of creative fonts styles ...

In theory, you should receive an email regarding Credit Steps in the next month.  Also, many have been given a CLI with responsible use after 3 months.  The first 3 Revolvers generally give a boost in CS.

[Anonymous]

Thanks for the advice!! That's exactly what I'll do!!!  Am not trying to be greedy by asking this question, but I just want to know for the simple reason of getting my credit score up as quick as possible! When should I apply for aanother capital one card? This is the only revolving account I have as of now, I want to add to more to try to raise my score ( whenever that may be) I would like my scores to be up to 700 by spring. I will definitely want another cap one card because they were the first to give me a chance so I will be loyal to them for a long while.

[Anonymous]

There's this...

1.  Have 3 revolvers. Preferred, 3 major lenders and a Store Card.

2. What I've experienced.  While 3 revolvers helps, knocking out and getting my credit reports correct has been the BIGGEST boost.  Goodwills, Pay for Delete, Disputing, fighting till blood dripped from my ears to clean up my reports. See my FICO score change from Aug to Oct for proof. 

3. The longer you can curb the beast, aka App'ing, the better.  The longer you wait, the higher your scores and better credit limits come with lower APRs.  Example:  Some have a secured card for 6+ months then get a $2000 unsecured approved. 

Choose what works best for you.

[Anonymous]

Wow, I definitelyn red to take pointers from you, your scores jumped a huge amount  in 3 months time. Congrats!!! It feel so good just getting one approval!! I can see how this can become addictive almost, I will definitely curb the beast!!

[Anonymous]

** definitely need to***

[Anonymous]

Congrats! I'm waiting for a call back from recon! I'm hoping for good news like you! Again, congrats! 

[Anonymous]

I'll be rooting for you then, I know the anticipation will just about kill you...lol capital one seems to have a lot of common sense when I comes to stuff like this, most financial institutions are just like " sorry denied!!!!"

[sjt]

Congrats on the approval!

My advice to you is to clean up the outstanding collections before you apply for other cards. Even if you just have the one CAP1 card and you clear out your collections your score will increase big.

Also, use your Cap1 card and pay it off frequently. After 3 months you can request a CLI and chances are you would get it.