@skorpyo3 wrote:@Santi78342, Thanks for sharing. That's a really nice CLI! Your current cards have awesome limits! Looks like I have hope at least by 1 year. I was assured that it would be upgraded to WMC once I hit 5k. I'll still try EO again in July, but I'll be asking for 10k this time. Lol!
Thanks! Patience is a must! In January of 2014 my scores were in the 570 range and I only had 1 card with a $1k limit. Look at me now! This forum is great. I was also approved for the Amex PRG & Everyday CC last night but have yet to update my sig.
Good luck to you!
Congrats Santi!!! That's really amazing! You are doing fantastic in a fairly short amount of time. I hope to be at 700 by the end of the year. I'll be in the garden for the rest of the year, only requesting soft CLI and PIF on all cards. 
Do you mind if I ask if you had a BK?
@skorpyo3 wrote:@Santi78342, Did your BofA Cash Rewards start out as secured? I'm only assuming since your Cap1 was in Credit Steps. That's a really nice CL with BofA. I should be getting that card Tues with 3k SL(secured). My only secured card, since they wouldn't approve me for unsecured due to BK in 2012. I read tons of positive things about them on these forums, and wanted to grow with BofA.
Nope!
- That card was surprising approved in 03/2014 as well with a $2k limit.
- Submitted a HP CLI online to get to $4,800 in 09/2014.
- Called a Sr. Credit Analyst and reconned that same CLI request to $10k.
- Submitted a HP CLI online last week to get to $17k.
I also tried to recon that CLI request to the full amount requested ($25k) but they stuck with what the computer gave me. I will call in again in a couple weeks to try again since they will use the same HP for 30 days.
@skorpyo3 wrote:Congrats Santi!!! That's really amazing! You are doing fantastic in a fairly short amount of time. I hope to be at 700 by the end of the year. I'll be in the garden for the rest of the year, only requesting soft CLI and PIF on all cards.
Do you mind if I ask if you had a BK?
Thanks. And not at all, no BK. Just 3 collections, two have since been paid and one was removed, and three 30-day lates were causing such a low score back then. I've since added a slurry of positive tradelines and perfect payment history to bounce back.
Really amazing turnaround. It's not as easy with a BK. I'm mostly pleased with the tradelines that I currently have. At least no subprime cards and decent limits for now.
@skorpyo3 wrote:Really amazing turnaround. It's not as easy with a BK. I'm mostly pleased with the tradelines that I currently have. At least no subprime cards and decent limits for now.
Yeah, you're doing fantastic post BK. You will be in 700 territory in no time!