I think I have finally hit excellent credit!

belle6m2k · ‎05-12-2016

I recieved an pre qual app today from BOA for a mastercard with a 13.24%APR. I have never had an offer with this low of an APR. I started rebuilding credit in 2008 with numerous baddies (have all fallen off) and a low score of 500's. I am now at scores between 743-756, no lates since 2008, 18 accounts and a UTI of 23% (A bonus should be in my account tomorrow and then I can pay down my highest balance which will bring it under 10%). Its amazing what hard work, budgeting and time can accomplish. Now if I can just get and answer on my chase Disney app (20 days and counting, Robo lady still saying weeks) then I am gardening as I will have what I need. Next Spring new car with best interest rate I can get!

Anonymous · ‎05-12-2016

It's a great feeling. Well done!

iheartwings · ‎05-12-2016

Congratulations!

That's a great accomplishment.

Anonymous · ‎05-12-2016

congrats! You definitely have earned it!

Anonymous · ‎05-12-2016

Yes, a great feeling! Congrats on those scores!

credit_is_crack · ‎05-13-2016

@belle6m2k wrote:
I recieved an pre qual app today from BOA for a mastercard with a 13.24%APR. I have never had an offer with this low of an APR. I started rebuilding credit in 2008 with numerous baddies (have all fallen off) and a low score of 500's. I am now at scores between 743-756, no lates since 2008, 18 accounts and a UTI of 23% (A bonus should be in my account tomorrow and then I can pay down my highest balance which will bring it under 10%). Its amazing what hard work, budgeting and time can accomplish. Now if I can just get and answer on my chase Disney app (20 days and counting, Robo lady still saying weeks) then I am gardening as I will have what I need. Next Spring new car with best interest rate I can get!

Congrats on the milestone..almost makes you want to just head down to walgreens, buy a pack of gold star stickers, and wear 1 a day until they run out lol a sort of restrained jubilation