Re: Application Spree to Start Rebuild

Anonymous · ‎01-06-2022

Has been quite awhile since I was young and dumb and burned my scores down. After years of holding off and waiting I dove in for a application spree.

Applied for and approved for these cards

Cap One Platinum Secured (99 Deposit)

US Bank Cash+ Secured (400 Deposit)

Amazon Secured (300 Deposit)

Truist Enjoy Cash (500 Deposit)

Credit One Amex Unsecured (300)

My scores where at the time of apps

Experian 550 Equifax 560 Transunion 601

gdale6 · ‎01-06-2022

Good start to your rebuild, I would now let these grow and then try for a few unsecureds in 1 year. Grats on all your new approvals and welcome to the board

Ghost_host999 · ‎01-06-2022

Congratulations on your new approvals. Good luck on your continued rebuild! I was where you are now in 2020. If I can do it anyone can

Starting FICO 8 Score (May 2020) : EQ-535, TU-550, EX-542
Current FICO 8 Score (May 2022) : EQ-718, TU-730, EX-724
Goal Scores: EQ-750, TU-750, EX-750

~USAA Secured American Express $3300~ ~NFCU Cash Rewards $6300~ ~Delta Skymiles Reserve Amex $8000~
~Venmo Visa Signature $8300~ ~Amazon Store Card $2800~ ~Care Credit $5500~
~Capital One Venture One $5000~ ~All Rewards $1000~
~GS Apple Card $3500~ ~Discover It Miles $5000~
~FNBO Evergreen $7800~ ~X1 Card $11,200~ ~Upgrade Triple Cash Rewards $25,000~

SUPERSQUID · ‎01-06-2022

@Anonymous wrote:
Has been quite awhile since I was young and dumb and burned my scores down. After years of holding off and waiting I dove in for a application spree.
Applied for and approved for these cards
Cap One Platinum Secured (99 Deposit)
US Bank Cash+ Secured (400 Deposit)
Amazon Secured (300 Deposit)
Truist Enjoy Cash (500 Deposit)
Credit One Amex Unsecured (300)
My scores where at the time of apps
Experian 550 Equifax 560 Transunion 601

Nothing to be ashamed about, i crashed and burned in 2019. i started with starter cards and now as time goes by the cards get better and better.

You did the main thing, you got back up on the horse, now time and good credit habits will make you a superstar

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 5300, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 2850

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017

Ilinferno · ‎01-06-2022

Congrats on the spree and good luck with your rebuild!

CreditMagic7 · ‎01-06-2022

Congrats on the rebuild app spree results!!

HowDoesThisAllWork · ‎01-06-2022

@Anonymous wrote:
Has been quite awhile since I was young and dumb and burned my scores down. After years of holding off and waiting I dove in for a application spree.
Applied for and approved for these cards
Cap One Platinum Secured (99 Deposit)
US Bank Cash+ Secured (400 Deposit)
Amazon Secured (300 Deposit)
Truist Enjoy Cash (500 Deposit)
Credit One Amex Unsecured (300)
My scores where at the time of apps
Experian 550 Equifax 560 Transunion 601

@Anonymous

Welcome to the board. And congrats on getting back in the grove (was going to say "saddle" but someone else did already so I came up with something different).

Question: do you have any plans on all of the secured Credit Cards to graduate? Is that part of your plan? If yes, what is the time frame for each to graduate?

FICO 8 Scores as of 2022 JULY 04:

FICO 9 Scores as of 2022 JULY 04:

FICO Auto 8 Scores as of 2022 JULY 04:

FICO Auto 9 Scores as of 2022 JULY 04:

FICO Bankcard 8 Scores as of 2022 JULY 04:

FICO Mortgage 2/4/5 Scores as of 2022 JULY 04:

Starting Score: Exp 627
Current Score: Exp 713
Goal Score: Exp 750+
Take the myFICO Fitness Challenge

coreyb80 · ‎01-06-2022

Congrats on the approvals and great start to a rebuild!

CreditAggie · ‎01-06-2022

Congratulations on your approvals!

Current Cards (in order of approval):

Current FICO 8 | 9 (July 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Anonymous · ‎01-06-2022

@HowDoesThisAllWork wrote:
@Anonymous wrote:
Has been quite awhile since I was young and dumb and burned my scores down. After years of holding off and waiting I dove in for a application spree.
Applied for and approved for these cards
Cap One Platinum Secured (99 Deposit)
US Bank Cash+ Secured (400 Deposit)
Amazon Secured (300 Deposit)
Truist Enjoy Cash (500 Deposit)
Credit One Amex Unsecured (300)
My scores where at the time of apps
Experian 550 Equifax 560 Transunion 601
@Anonymous

Welcome to the board. And congrats on getting back in the grove (was going to say "saddle" but someone else did already so I came up with something different).

Question: do you have any plans on all of the secured Credit Cards to graduate? Is that part of your plan? If yes, what is the time frame for each to graduate?

Have way to many hard inquires on my reports but in 2 years all but 1-2 should be left on the reports. I'm hoping to get them all to graduate if they do within a year I would be pleased but I have about 2 years in the garden before I want to have anymore hard pulls happen. 1 year ago I did a app spree and forgot about my credit reports where frozen from 2016ish so I have those on there stuck

Application Spree to Start Rebuild

Get your FICO® Score for free

Application Spree to Start Rebuild