Hello, fellow credit card appers!
I've been rebuilding my credit since a Bk7 discharge in October of 2018. I'm thrilled to share that my rebuild has been going well, and my FICOs are in the high 660s to high 680s. I've been apping over the past month in order to replace some rebuilders with better cards and recently came away with the following. (Income $84k; Util 3%)---
The following requests were declined:
Since starting my rebuild, I've closed the following cards. (Note, I'm aware of the common wisdom regarding AAoA... I'm in my 40s, have student loans that have been reporting for many years, and am not really worried about the impact to my credit score where AAoA is concerned):
Next on the Chopping Block:
What's Next? To be honest, I have everything I need when it comes to credit. I have a good daily card (NFCU Amex), a good travel card (PenFed Pathfinder) and a few cards from prime lenders that will grow with me over time. The only other thing I could possibly want (purely for vanity reasons) would be an AmEx Gold Card-- which I'm not eligible for until after October 2023. So, I'll be doing some long-term gardening to help shore up my credit profile. I'd love to buy a condo in another couple of years, so I'll be focusing on building the kind of profile that will make that dream happen.
AND -- Although I'm constantly lurking these boards, I rarely post here and am not sure when I'll write another update. So please-- let me say THANK YOU so much for showing me how to rebuild my financial reputation and my relationship with money. I can't express how grateful I am, and how much I owe to all of you.
Keep focused and nice going with that rebuild. Congratulations on the better approvals now.
Congratulations on your approvals!!!
Grats to all your success
🙋♂️ Congratulations on some nice Majors and they can certainly grow with you! Way to go 🎊 🎉
P.s. 👏 Congrats on the Discover CLI !
Congrats on all the approvals!!! Continued success on rebuild!!
Congrats on the approvals. Was there any reason the Cap One Venture One $300 limit was terrible so you cancelled it but you were cool with $300 from PayPal?