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4 New Account...Interesting Sunday!

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Anonymous
Not applicable

Re: 4 New Account...Interesting Sunday!


@Anonymous wrote:

Congratulations on your approvals! Come join us in the garden. Good peeps there. Smiley Happy 


^^^ What ML said! :-)  Congrats as well!!

Message 11 of 18
Anonymous
Not applicable

Re: 4 New Account...Interesting Sunday!

Congrats!!! It can be addicting seeing that 'Congratulations your approved' believe me, I know. Welcome to the Garden Smiley Happy

Message 12 of 18
alextercero
Super Contributor

Re: 4 New Account...Interesting Sunday!

Congrats

Current Credit Cards



Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)


Credit Age:

Inquiries:

Message 13 of 18
Anonymous
Not applicable

Re: 4 New Account...Interesting Sunday!

Hey Roseyk,

 

I've been following your results, you started rebuild in Feb 2014...was that after a bk discharge?

 

thank you

Message 14 of 18
NICKI183
Established Contributor

Re: 4 New Account...Interesting Sunday!

You have been very successful in building your credit portfolio and in a short period of time.  I think you doing this shows that anyone can get out of a credit slump.  I have been on the credit rodeo for so long, that this time I am on the upswing.   One day I hope to have 1/2 your success.  Congrats!

Starting Score: 555/567/570- Aug 2017 (TU)646 (EQ) 626, (EX) 635-Goa 750l: UPDATE 2021 (TU) 623, (EQ) 584, (EXP) 598 Current VISA-MC-Amex Credit Cards |NFCU-CashReward-$2k|USSA Visa- $500lAmex USAA-secured Merrick-$1,900ll Amex Delta Sky Miles- $1k
, |Nordstrom-$2100|Neiman Marcus-$700|Credit One Bank $850/$500 / Capital One Journey $700/ Capital One Quicksilver One $1650/Target $600/KohlsStore $300/Personal Loans $14k
Garden Until 2/2022 removing all 18 collection baddies and decrease UTILto less than 5%
Message 15 of 18
Anonymous
Not applicable

Re: 4 New Account...Interesting Sunday!


@Anonymous wrote:

Hey Roseyk,

 

I've been following your results, you started rebuild in Feb 2014...was that after a bk discharge?

 

thank you


No, no BK but was a very successful Realtor that went under back in 2007/2008 when the market and bank/lenders began spiraling down.  Most accounts paid, but some went down with me, lol!  Anyway credit suffered and I plunged into a cash and carry world for several years and one day in Feb 2014 Capital One sent me a pre approval for a $300.00 CL, then increased to 2300.00, another preapproval and so on and so on.

Message 16 of 18
Anonymous
Not applicable

Re: 4 New Account...Interesting Sunday!


@NICKI183 wrote:

You have been very successful in building your credit portfolio and in a short period of time.  I think you doing this shows that anyone can get out of a credit slump.  I have been on the credit rodeo for so long, that this time I am on the upswing.   One day I hope to have 1/2 your success.  Congrats!


NICKI183. Thanks!  When I received that pre approval from Cap One, I was so excited about the opportunity regardless to how small the CL.  I vowed that I would be the best customer Cap One ever had, lol!  I must say that they rewarded my efforts.  Every increase was at least 2000 to 3000 every 4 to 5 months.  After 4 cards I decided I need to diversify and Chase, Discover welcomed me, and I kept it going.  I know that I got caught up in the world wind of approvals and I have to slow down now.  I will join Musiclover and others in the garden.    Do monitor your credit report  thru one of the major bureaus, you can negotiate the monthly cost with them.  Its much better than Credit Karma, they were always off by30 to 60 points with me.  This site and many members are so helpful, it really was instrumental in my credit growth!  Best wishes on your on the upswing, if I can do it, anyone can! 

Message 17 of 18
Anonymous
Not applicable

Re: 4 New Account...Interesting Sunday!

I love that you said you don't regret any of it ( maybe one ) and that you had fun!

Way to go!

Message 18 of 18
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