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Approvals due to the MyFico forums!

nc_mild
New Contributor

Approvals due to the MyFico forums!

I just need to post because I'm proud of how far I've come in so little time. A year ago, I was denied for EVERYTHING, and scared to even check my scores, and pretty much had given into the idea my credit would never be anywhere near good. I began in May, with scores near 500 across all 3 CRAs, and with guidance from this forum,  and opened a Cap1 Secured card with $250. In the past 11 months, I have learned patience, responsibility, and determination will pay off. I have achieved all this in a mere 11 months:

 

05/2015 - Cap1 Secured $250
11/2015 - Cap1 Platinum $500
12/2015 - Cap1 Secured CLI to $550
02/2016 - Cap1 Platinum CLI to $1500
03/2016 - Ford Motor Credit Red Carpet Lease ($20k / .05%)
03/2016 - Cap1 Platinum PC to QuickSilver + CLI to $3000
04/2016 - Amex Delta Sky Miles - $1000
04/2016 - Amex BCE - $9900
04/2016 - Citi Double Cash - $3500
04/2016 - Blispay - $2900

 

Total - $20,850 available credit

 

I *should* only have 8 INQs, but instead have 24, because the first Ford dealer I went to, neglected to hear that I ONLY wanted credit through Ford, and went on to run my credit all over America, except for, of course, Ford Motor Credit. Choose your car dealer wisely!

 

Since starting, my scores have climed to ~700 (exception: EQ-only bad item falling off in Aug). My wife and I plan to buy our frist home in 2018, and have had our plan to have $80k down for sometime, but never a plan for the credit necessary to obtain a quality mortgage. We're both on track now, thanks in large part to this forum! In the garden now until the mortgage applications start!

Message 1 of 13
12 REPLIES 12
myjourney
Super Contributor

Re: Approvals due to the MyFico forums!

Nice build congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 13
Musiclover
Super Contributor

Re: Approvals due to the MyFico forums!

Good job!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 3 of 13
JMED2
Frequent Contributor

Re: Approvals due to the MyFico forums!

Great job, Congrats!!!

USAA Rate Advantage Visa 17.5% 7K|USAA AMEX Rewards+ 5K|USAA Prefered Rewards Visa 4.5K|USAA Classic Visa 2.5K|USAA Classic AMEX 2.5K|USAA Classic MC 2K|CaptialOne QS1 4.5K|Capial One QS Visa 1K|AMEX-EDC 1K|BofA Rewards VISA 10K| BarclayCard Rewards 4K|Barclaycard Choice Rewards Visa 1.4K|Walmart Store Card 6K|Amazon Store Card 4K|Sam's Club 10K|Meriick Visa 1.2K|OverStock 2K|Hilton-AMEX 5K|AMEX BCE 16K|PENFED PRVS 9K|AMEX PRG NSPL|FICOs: EQ 688 EXP 679 TU 685
Message 4 of 13
Chynnac
Frequent Contributor

Re: Approvals due to the MyFico forums!

congrats!

Nov 2014 500s April 2016 TU 707 EQ 690 EX 663 May 2017 TU 718 EQ 708 EX 701
CSR 12K United Explorer 12k Cap One QS 10.6K Discover 7.8k Freedom 4k Unlimited 4.4k AMEX Platinum NPSL
Message 5 of 13
GDanzy
Valued Contributor

Re: Approvals due to the MyFico forums!

Congrats!!! 

Message 6 of 13
Creditaddict
Legendary Contributor

Re: Approvals due to the MyFico forums!

Congrats... now close that cap1 secured card.

Message 7 of 13
TruthGuY
Established Member

Re: Approvals due to the MyFico forums!

Congrats


Message 8 of 13
BagsandShoes
Contributor

Re: Approvals due to the MyFico forums!

Very nice work...CongratsSmiley Very Happy

Starting Scores:1/21/16:Fico8 EQ:618 TU:614 EX:581
Current Scores: EQ:675 TU:698 EX:658 Goal: 720's
Verve MC $500 11/15| Kohl's $700 11/15|NY & Co $700 11/15| VS $650 11/15| Cap1 QS1 $1,300 12/15| Cap1 QS1 $2,000 1/16|Walmart $6,000 2/16|Macy's $4,200 2/16|Bloomingdale's $6,000 2/16|Exxon/Mobil $800 2/16|Ashley Home Store $1,500 3/16|Citi AAdvantage WEMC $2,100 3/16|Marvel MC $6,000 4/16|CareCredit $1,700 4/16|Chase Amazon VS $500 4/16| TJX $3,500 5/16|Letting my accounts age...And this forum is a total blessing!
Message 9 of 13
mcranch720
Established Member

Re: Approvals due to the MyFico forums!

Congratulations!! And WOW to that car dealer 😵 Thanks for the warning!
starting stats: 4/16: 609/626/621
Goal: 750 across board
Message 10 of 13
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