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The Newest SP SCT Alive Again?

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Super Contributor

Re: The Newest SP SCT Alive Again?

Updated April 8th

Comenity/CCB Cards:
Overstock SP 12  HP 4 New 5 SP's on 3/19 4/4 4/8 YMMV

Wayfair 5 HP 5 SP New HP 3/19 & 2 SP 4/4 YMMV

Ikea SP 4 HP 1SP YMMV

Good Sam Rewards Visa 4 HP 2 YMMV

Williams Sonoma SP 3 HP 4 YMMV

West Elm HP 1 SP 1 New SP 4/4 YMMV

VS SP 6  HP 1 YMMV
Childrens Place SP 4 HP 1 New 1st HP 3/19

Pottery Barn SP 1 New SP 4/4

Venus SP 3
Ultamate MC SP 2 

Brylane Home SP 1

NY&C SP 1

J Crew SP 1

Express SP 2

Sportsman Guide SP 3

Avenue SP 2

Simply Bee SP 1

Boscov HP 11 

Sephora HP 1

L Brands 1 SP New 4/8

Capital One Cards:

Kohls Pre Approval HP 1

 

Congrats @TradeJackalope and @BigGib82 Thanks for the DP's.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 251 of 301
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New Contributor

Re: The Newest SP SCT Alive Again?


@FireMedic1 wrote:

Updated April 8th

Comenity/CCB Cards:
Overstock SP 12  HP 4 New 5 SP's on 3/19 4/4 4/8 YMMV

Wayfair 5 HP 5 SP New HP 3/19 & 2 SP 4/4 YMMV

Ikea SP 4 HP 1SP YMMV

Good Sam Rewards Visa 4 HP 2 YMMV

Williams Sonoma SP 3 HP 4 YMMV

West Elm HP 1 SP 1 New SP 4/4 YMMV

VS SP 6  HP 1 YMMV
Childrens Place SP 4 HP 1 New 1st HP 3/19

Pottery Barn SP 1 New SP 4/4

Venus SP 3
Ultamate MC SP 2 

Brylane Home SP 1

NY&C SP 1

J Crew SP 1

Express SP 2

Sportsman Guide SP 3

Avenue SP 2

Simply Bee SP 1

Boscov HP 11 

Sephora HP 1

L Brands 1 SP New 4/8

Capital One Cards:

Kohls Pre Approval HP 1

 

Congrats @TradeJackalope and @BigGib82 Thanks for the DP's.


L-Brands is the parent company of VS, Pink, and BBW. Just throw it under them. My apologies for the confusion.

Starting Score: 486 - June 2019
Current Score: Lowest - 629 (EQ 8); Highest - 676 (EX 9)
Goal Score: 800+


Take the myFICO Fitness Challenge

Started with a 486 in early 2019. Made lots of mistakes along the way, but learned what to do by doing a lot of what I shouldn’t. That said, my top five rebuilder accounts are:
1) Self
2) Credit Strong
3) SDFCU Secured
4) H-D Visa Secured
5) Citi Diamond Secured
Message 252 of 301
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Regular Contributor

Re: The Newest SP SCT Alive Again?

Overstock SP for me - approved for 3,150

AAoA 6yrs 7mos
Inquries: TU3/EQ4/EX4
Utilization: less than 20%
Mortgage: 1
Auto Loan: 2
Personal Loan: 3
Derogatory: 0



CREDIT UNION


EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 5/2020
Message 253 of 301
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Super Contributor

Re: The Newest SP SCT Alive Again?


@GoNavy wrote:

@TradeJackalope wrote:

Another SP datapoint on Overstock's Store Card

 

Performed the SCT and received the pre-approved pop-up. Went through the application and was approved for an LOC of $2400 w/ a Soft-Pull.

 

Had some trepidation with having to enter my full SS# during the app, but I indeed received a notice regarding the SP on Experian and no HP. So pretty glad about that.


May I ask which service gives SP notices?  Thank you!


@GoNavyany of the companies listed.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 254 of 301
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Super Contributor

Re: The Newest SP SCT Alive Again?


@blazerein wrote:

Overstock SP for me - approved for 3,150


Thanks @blazerein for the DP's. Congrats! I'll add it.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 255 of 301
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Super Contributor

Re: The Newest SP SCT Alive Again?

Updated April 21st

Comenity/CCB Cards:
Overstock SP 12  HP 4 New 5 SP's on 3/19 4/4 4/8 4/9 4/21YMMV

Wayfair 5 HP 5 SP New HP 3/19 & 2 SP 4/4 YMMV

Ikea SP 4 HP 1SP YMMV

Good Sam Rewards Visa 4 HP 2 YMMV

Williams Sonoma SP 3 HP 4 YMMV

West Elm HP 1 SP 1 New SP 4/4 YMMV

VS SP 7  HP 1 New SP 4/08 4/21YMMV
Childrens Place SP 4 HP 1 New 1st HP 3/19

Pottery Barn SP 1 New SP 4/4

Venus SP 3
Ultamate MC SP 2 

Brylane Home SP 1

NY&C SP 1

J Crew SP 1

Express SP 2

Sportsman Guide SP 4 New 4/16

Avenue SP 2

Simply Bee SP 1

Boscov HP 11 

Sephora HP 1

Capital One Cards:

Kohls Pre Approval HP 1





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 256 of 301
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Frequent Contributor

Re: The Newest SP SCT Alive Again?

Victoria's Secret and Overstock were both SP.


6 Months Post DC


30 day post DC
60 days post DC
94 days post DC
INQUIRES
Currently rebuilding. Cards aren't worth bragging about yet.

Message 257 of 301
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Community Leader
Senior Contributor

Re: The Newest SP SCT Alive Again?

Just to add a DP here, friend of mine not on the forum got the Sportsman's Guide Visa last week - no HP yet showing up on any bureau. I didn't think the Visas were attainable via SCT but so far it looks like his did happen that way. I don't know his EQ/TU or who they pull but his EX is only 635 with 52% aggregate utilization and he was approved for $1500. Inquiry wise he's 1/6.



Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | GHS Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 258 of 301
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Senior Contributor

Re: The Newest SP SCT Alive Again?


@ImTheDevil wrote:

I didn't think the Visas were attainable via SCT

 

All of my MC's and Visas were sp's.  Got a hp for their HSN store card or HSN cli and then another for a cli on my UltamateMC.  Yeah, luv the SCT for the majors.

Congrats to your friend, I'm sure it was all you.......make him buy you a beer!Smiley Wink

"My Take Home Pay Won't Take Me Home"
Scores updated 5/26/20: Exp 734, TU 751, EQ 744
Message 259 of 301
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Valued Member

Shopping cart trick - any 2020 updates?

Hello all, hope you're staying safe and healthy.

 

In 2 months I hope to be able to rebuild. With that said I will be added to 3 new cards (Amex $18k sl, Discover $25k sl, and a Chase IHG 15k sl) as A/U from my wife but at this point I only have 2 CU Visa's (13k sl and 30k sl) still open (fingers gross they stay open) and will want to have a few more to build tradelines. All except my wifes Discover & IHG are a few year old accounts.

 

With that said  the SCT research I've done doesn't seem to have anything recient, does anyone have experience in 2019 or 2020 with the trick. Also how is Comentiy with being burned in a Ch7 (less than 1k)? Is it even worth me trying?

 

 

Went from all FICO's & FACO's over 800 for a few years. Over $300,000 in Spend Limits over 40 cards, always PIF and reports rarely showed over $1000 in used credit card debt. $50,000 in my corporate cards, these didn't show on personal reports and were almost maxed out Smiley Sad . Business failed, filed Ch7 as it was an s-corp on 3/18/2020. Hoping to retain 3 credit union credit cards $30,000 on Community Financial Visa, $16,000 on Community Choice Visa and $5,000 (first card) LOC Credit Union M/C they are still active as of 4/10/2020 Not a brag, but hoping I make it through this quickly and regain some of the above

Starting Score: 803
Current Score: 721
Goal Score: 850


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Message 260 of 301
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