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Approvals after bringing up score!

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Regular Contributor

Approvals after bringing up score!

Started in these forums with FICO 8 scores at 575 only 6 months ago. Had to get scores up for a Mortgage loan. Had 2 collections, 2 accounts closed with balances. Paid both closed accounts, removed 1 collection and brought score up 95 points!

 

Closed on the house Thursday. Mortgage filed on Friday and got the following approvals this weekend:

 

Walmart: $200

AMEX BCE: $500

Delta: $1000

Lowes: $300 (Called and CLI'd it immediately to $5000)

Marriott: $9000

NFCU: $25,000

 

THANK YOU ALL FOR ALL YOUR HELP!!!

 

Happy, Happy!

Rebuilding - Starting Scores: EQ 584 | TU 580 | EX 580 (Oct. '17) --- Current FICO 8 Scores: EQ 651 | TU 664 | EX 650
$46,450 Limit




12 REPLIES 12
Established Contributor

Re: Approvals after bringing up score!

Congratulation! Spend wisely and enjoy your home and financial successes!
Back In the garden June 2019 until TBD
FICO 8 Scores (Inquiries) May 29, 2019

Military Star - $8.7K | FCCU Platinum Signature VISA - $13K | Care Credit - $25K | Barclay AA Red MC - $5K | Best Buy Citi Visa - $3K | Cap1 Savor - $3.1K | USAA Signature VISA - $6K | PFCU Power Cash Rewards Signature VISA - $28.5K | CSR $15K | USAA AMEX - $12K | AMEX BCP - $35K | Chase Freedom Signature Visa- $7.5K | HSBC Rewards MC - $1.75K | CITI DC - $10.3K | Discover It - $16K | NFCU Cash Rewards Signature Visa - $10K | NFCU CLOC - $15K | TD Ameritrade Client Rewards Visa - $1.5K | Chase FU Signature $15K | Citi AA Plat MC $13K
AAoA 6 Yrs 10 Mos AoOA 16 Yrs 2 Mos AoYA 1 Mos
Currently 13/24
4/24 on 1/14/20
1/24 on 3/15/20
0/24 on 3/20/21
Installment Loans
BMW $36.4K of $65.3K @ .99% (44.3% Paid)
Student Loans $32K of $66.65K @ 2.75% (51.93% Paid)
Annual Income ~ $110K
Message 2 of 13
Frequent Contributor

Re: Approvals after bringing up score!

Congratulations on your new credit cards and even more for you getting your home!!!!

Message 3 of 13
Frequent Contributor

Re: Approvals after bringing up score!

Congratulations on getting your scores up and on your new home!

Homeowner Again as of July 17, 2014. Thanks NFCU
FICOs EQ - 720/EX - 717/TU - 720/Quicksilver $3,500 / Cred 1 $2,375 / 1st Natl $3,250/ Kohl's $5k / Barclay Rew $2,250 / Mercury MC $4,400 / NFCU Visa Sig Cash Rew $19,500 / Lowes $12k / Best Buy Visa $8,200/ NFCU LOC $15k / Walmart MC $7.5k / Chase Freedom $1,500 /, Discover IT $16,500k / Discover IT Chrome $6k /Citi DC $7,200 / AMEX Everyday Preferred $2k / Citi Simplicity $7,600 / AMEX Gold/Citi Rewards $3k/
Message 4 of 13
Established Member

Re: Approvals after bringing up score!

I just got approved for Lowe's 300, did you wait until you got your card?  What # did you use?

Message 5 of 13
Valued Contributor

Re: Approvals after bringing up score!

Nice nice!!! Congrats!!

Garden time to bring those scores even higher!



FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 6 of 13
Senior Contributor

Re: Approvals after bringing up score!

Congratulations bud

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 7 of 13
Senior Contributor

Re: Approvals after bringing up score!

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 8 of 13
Super Contributor

Re: Approvals after bringing up score!

That's fantastic!  Yay you!

11/01/19 Fico 8: EX 726, EQ 721, TU 747.
11/08/19 Fico 9: EX 733, EQ 740, TU no idea...
Zero percent financing is where the devil lives...

Firmly in the garden until the next pre-approval arrives!
Message 9 of 13
Regular Contributor

Re: Approvals after bringing up score!

Congrats on the approvals and the house!! 



Message 10 of 13
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