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).
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.
|FICO 8 SCORES: 06-02-2019||616 TU||613 EX||638 EQ|