Hello to all!!
I have been fixing my husband's and my credit for the past year or so;
-We have not had a cc for over 10 years
-Husband has his own business-- based on Construction/housing market--We suffered through the housing melt :-/
-Only credit lines open--Mortgage and student loans
-One of our sons had an accident-had two surgeries--tons of medical bills(ouch!) of which made it to collections.(happened during our toughest financial times)
I was embarrased to even look at my credit report--I knew it was not looking too great-- pretty much all last year I spent making payment arrangements with the collection agencies in regards to our outstanding medical bills.
In September of 2015-- we saved up to purchase a car for me to go to work--since we knew our credit sucked we did not even bother thinking about financing-- so went into the nearest delearship and purchased a car--but our sales person informed me that although we were purchasing it without financing they had to run our credit per rules in "the patriot act"- needless to say I was embarrassed--but oh well-- he came back and showed me the report-- he said" not bad but you have collections- you should be able to work on those" All I saw was the score that read 680--
Totally forgot about my credit until we went to our first Disney trip in January of this year---
We were offered The Chase Disney card while at Disney Springs but I did not work up the nerve to apply-- We had been having such a great experince that I did not want to get rejected-- so I applied upon our arrival-- and so did my husband-- we were both approved-- each 5k CL--OMG---so excited
Last month I applied for The Discover it and was approved for 13,500 and my husband was approved for 7,500-
Over this past weekend after reading up on THE AMEX blue cards and asking other forum contributors I decided to pull the trigger and I was -APPROVED CL 4k--YAY!-- I also contemplated to apply for another CHASE card but from reading on the forums I know CHASE is tough... but to my surprise this morning when I logged into my acct my CL was increased to 10K and my husband's was too(we did not request the CLI)--- I think we are set for now--
thanks to all contributors from this wonderful forum--I have learned a lot and I wish to continue to learn
Current scores on myFICO:
me: 740,738,725 (EQ,TU,EX)
husband: 729,727,701 EQ,TU,EX)
