Congrats! Welcome to the forum and thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
CONGRATS on your App Spree!!!
Gardening Until Further Notice
@Anonymous wrote:It's been an eventful 1.5 months! I closed on my first home end of June and found this forum shortly after.. wish I knew about it before! Thankfully my credit wasn't too bad considering I haven't been monitoring it. Lender pulled TU 769 and that's when I learned a collection/judgement I paid off last year had completly disappeared from my reports! I also discovered and paid a charged-off account for $300 on my EQ report from my parent's utility bill that was under my name from a couple years back. I didn't know anything about asking for credit limit increases or product changes. My discover card started at 500 and the last couple years they started giving me auto CLI of 500 every 6 months, bringing it to 2500. I received a letter from Capital one offering a SP CLI to 2250 and was so excited because that tripled my limit on that card. Soon after I did the online chat and switched it from a regular platinum to a quicksilver. I then did an online chat with discover and requested a CLI. It ended up being a SP and they brought my limit to 7k! I got that card changed to an IT because I had the more card. I was excited about the increases and decided to apply for the Freedom since I bank with Chase and have always wanted it. Instant approval for visa signature with a 7k limit! They pulled EX and TU. The same night I request a HP cli on my bestbuy store card and asked for 10k and they countered with 4.5k stating that I had a deliquency on my report (they pulled EQ). I'll take it! Tried the softpull on my amazon store card and it went from 900 to 1650. Then last week I applied for the costco TE card since I want an amex and shop there almost weekly. Approved for 2k, looking forward to getting CLI's on that card. I was pretty sure I was done, but reading all of these approvals made me really want the Sallie Mae. I was planning on waiting until next year to apply for that and the CSP (I'm preapproved but want to wait until I plan a trip to get spending bonus). I gave in and applied a few minutes ago for the Sallie Mae.. I shop online at amazon at least weekly and spent over 1k on amazon this week alone. I figured my TU should look good since bestbuy and amex didn't pull it. Instant approval for the world mastercard 6300! I am done! Gardening because I don't need anything right now, just the CSP next year and maybe an auto loan in a few years.
I used to have my cards nearly maxed out and would never qualify for any cards so I stopped trying. The last 2 years I've been paying my cards in full and stopped carrying a balance (I let any amount report on the statement, didn't know that affected anything as long as I paid it off). Oldest account is 5 years and AAOA is 3, although that will surely go down as the new cards report.
That was long, thanks for reading!
Start:
Discover More 2500
Capital One Platinum 750
Amazon Store Card 900
Bestbuy Store Card 750
Total: 4900
End:
Discover More 2500 -> Discover IT 7000
Capital One Platinum 750 -> Capital One Quicksilver 2250
Amazon Store Card 900 -> 1650
Bestbuy Store Card 750 -> 4500
+Chase Freedom 7000
+Costco TE 2000
+Sallie Mae 6300
Total: 30700
Scores: EQ 694, TU08 762
Congratulations on your approvals and credit limit increases! Thanks for sharing! 
@Anonymous wrote:It's been an eventful 1.5 months! I closed on my first home end of June and found this forum shortly after.. wish I knew about it before! Thankfully my credit wasn't too bad considering I haven't been monitoring it. Lender pulled TU 769 and that's when I learned a collection/judgement I paid off last year had completly disappeared from my reports! I also discovered and paid a charged-off account for $300 on my EQ report from my parent's utility bill that was under my name from a couple years back. I didn't know anything about asking for credit limit increases or product changes. My discover card started at 500 and the last couple years they started giving me auto CLI of 500 every 6 months, bringing it to 2500. I received a letter from Capital one offering a SP CLI to 2250 and was so excited because that tripled my limit on that card. Soon after I did the online chat and switched it from a regular platinum to a quicksilver. I then did an online chat with discover and requested a CLI. It ended up being a SP and they brought my limit to 7k! I got that card changed to an IT because I had the more card. I was excited about the increases and decided to apply for the Freedom since I bank with Chase and have always wanted it. Instant approval for visa signature with a 7k limit! They pulled EX and TU. The same night I request a HP cli on my bestbuy store card and asked for 10k and they countered with 4.5k stating that I had a deliquency on my report (they pulled EQ). I'll take it! Tried the softpull on my amazon store card and it went from 900 to 1650. Then last week I applied for the costco TE card since I want an amex and shop there almost weekly. Approved for 2k, looking forward to getting CLI's on that card. I was pretty sure I was done, but reading all of these approvals made me really want the Sallie Mae. I was planning on waiting until next year to apply for that and the CSP (I'm preapproved but want to wait until I plan a trip to get spending bonus). I gave in and applied a few minutes ago for the Sallie Mae.. I shop online at amazon at least weekly and spent over 1k on amazon this week alone. I figured my TU should look good since bestbuy and amex didn't pull it. Instant approval for the world mastercard 6300! I am done! Gardening because I don't need anything right now, just the CSP next year and maybe an auto loan in a few years.
I used to have my cards nearly maxed out and would never qualify for any cards so I stopped trying. The last 2 years I've been paying my cards in full and stopped carrying a balance (I let any amount report on the statement, didn't know that affected anything as long as I paid it off). Oldest account is 5 years and AAOA is 3, although that will surely go down as the new cards report.
That was long, thanks for reading!
Start:
Discover More 2500
Capital One Platinum 750
Amazon Store Card 900
Bestbuy Store Card 750
Total: 4900
End:
Discover More 2500 -> Discover IT 7000
Capital One Platinum 750 -> Capital One Quicksilver 2250
Amazon Store Card 900 -> 1650
Bestbuy Store Card 750 -> 4500
+Chase Freedom 7000
+Costco TE 2000
+Sallie Mae 6300
Total: 30700
Scores: EQ 694, TU08 762
Congrats on your success
congrats
