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2025 Spree Results

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MyDataMyChoice
Valued Contributor

2025 Spree Results

October Removed all baddies except Public Record fo BK CH7 - All Scores 720 range

Sep 2025 - In Branch Truist Enjoy Travel card $8,900 - $200 SUB
Oct 2025 - Cap1 Upgraded Quicksilver to Savor --> Requested CLI from 5.5K to 16.5K    NICE!!!
Oct 2025 - Discover It PreApproved --> 2K Limit 15 months 0% --> Choose Bruins Design after receiving card (Was hoping for larger limit to use 0%)
Oct 2025 - Approved for Auto Loan BCU at 3.89% 2025 Models 50K [Decided not to use it at this time - approval good for 90 days]  Will revist next year

Personal Loan in June 2025 for 14K from BCU 36MO @ 12% 

PLOC June 2025 for 10K BCU @11.5%


My Daily Driver remains my Amex Gold NPSL 
and Whole Foods/Amazon Visa
Will attempt a 91 Day CLI with Discover 
I do use BCU as my primary checking now.
have platinum honors - preferred rewards with bank of america as well 
I use schwab for most investments.  Schwab Amex Platinum is next on list for 1.1cpp
I would like Chase Saphire  - so a year away from being under  5/24


I also noticed Tmobile Visa with capital one - tried to PC my savor to it - not availbale
I did pre-approve for it... but i want to hold off... would really only put my monthy bill on it.   I'll just use my Debit card for now.


All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

                       
Lines of Credit:   
Personal Loan:  

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450

Message 1 of 4
3 REPLIES 3
Priory_Man
Valued Contributor

Re: 2025 Spree Results

Congrats on a good a good haul. I would assume that the discover card will grow and you'll get the limit you were hoping for eventually.





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Total Revolving Credit: $300,000 UTIL: <1%
━━━━━━━━━━━━━━━━━━━━━━━


Message 2 of 4
Copenix
Frequent Contributor

Re: 2025 Spree Results

Very nice spree! Congrats on all your improvements.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $118.8K | Utilization 0.9%

FICO 8s July 2026


Message 3 of 4
Total_Synergy
Regular Contributor

Re: 2025 Spree Results

Congratulations @MyDataMyChoice on the great approvals during your rebuild!

Personal TCL ~$400k [Goals Met: 1+ Card with each of the Top 10+ (US) Issuers; $0 AFs; Recurring 0% BT Offers; Team Cashback]:

Business TCL ~$100k [Goals Met: 1+ Card on Amex/MC/Visa networks; 1+ Card with 0% Foreign Transaction Fees; $0 AFs; Team Cashback]:
                RIP:
* Began in 1984 w/ Amex Gold Personal + Diners Club Corporate in 1990s. Just these 2 for years. Very little FICO knowledge until CARD Act (2010).
* Note: I have history w/ many lenders; so not always 'internally new to them' even though CRAs show 'new' AAoA. I don't track my Business CRAs.
* Acknowledgements: @Aim_High for 'HTML/Signature inspiration' and ALL myFICOers for helping me to optimize a well-earning card portfolio!!
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