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1st post and with good news

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New Member

1st post and with good news

Hi everybody,

1st I just want to say how awesome all of the forums are. I have been way to shy and know I am know where near qualified to give advice to post anything. I have been reading others and cheering on everyone's success and feeling the struggles as well. I won't get into to much detail aside from (a few data points because I know ya'll like those). Overall, this past year has had ups and downs, and the downs have gotten me discouraged. I just wanted to drop in and say "there is hope and do NOT give up". Tonight I got approved for Amex Delta skymiles with $1000sl.

I am so excited, my credit goal was to get in with Amex.

Yesterday I applied for Paypal 2% and no go. I guess you could say my rebuild started November 2017 (I didn't even know I was rebuilding). Scores were super low somewhere between 440-520. I got Cap1 secured sl $200 in Nov and Dis secured $200 in April. My Credit Karma shot up today with no explanation Trans 698 and Eq695 (I know they're not Fico). I feel like this post is too long, if any more questions please just ask.

ps. I have 2 open collections and hella student loans (good standing).

Message 1 of 10
9 REPLIES 9
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Established Contributor

Re: 1st post and with good news

Congratulations!!! It sounds like it was well deserved!!! I wish I knew your FICO EX score. I want to app for that card to get my foot in the door. 😃
Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 2 of 10
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Valued Contributor

Re: 1st post and with good news

Welcome to My Fico!!    000Welcome.gif

 

And WOOHOO good on you!

That's great Congrats!!!  000congrats.gif

 

Hope you stick around and post with us!!

 

CHEERS




Message 3 of 10
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Regular Contributor

Re: 1st post and with good news

Congrats! So happy for your success! 

Current Fico:
As of April 2018:


Message 4 of 10
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Senior Contributor

Re: 1st post and with good news

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 5 of 10
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New Member

Re: 1st post and with good news

Experian Fico 641 Transunion 633 Eq 619

Thank you so much.

Ps. I signed up for Rental Kharma about a week ago but it isn't on my report yet and I was trying the Amex pre qual site for a few weeks and nada until today.

Message 6 of 10
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New Member

Re: 1st post and with good news

Thank you for the warm welcome.

Message 7 of 10
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New Member

Re: 1st post and with good news

Aw, Thank you much. I appreciate it. I haven;t even told my husaband yet, but I had to tell someone lol

Message 8 of 10
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Community Leader
Mega Contributor

Re: 1st post and with good news

Hella good job and welcomeSmiley Happy
Message 9 of 10
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Frequent Contributor

Re: 1st post and with good news

👏Awesome!!!🎉
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 10 of 10
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