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Thanks to the knowledge I've gained from these forums and the baddies I have been able to get removed so far, today I was instantly approved for an Apple Financing Visa! I was hesitant to apply, as I still have two unpaid collections, but since my scores went up thanks to utilization decreasing in a card and two new cards opened in the past month, I went online and pulled the trigger. At $2,000, it is now my highest CL.. I have a Victorias Secret card and Cap1 with $500 limits. The Cap1 currently has a pending CLi request, so we will see what happens there. I called for a recon, since I plan to purchase a Mac that will come to $1899 or so total and I didn't want to max it out..only request $500 more, but was denied. They want to see how I use this card first since its my highest limit. On my way to rebuilding and I couldn't be more excited! Next goal is an Amex but after I get rid of my remaining baddies and pay down this card...or should I apply now? Thanks again to all for these posts, I would not be here today if it weren't for all the helpful advice!
My TU FAKO is 681
My TU FAKO is 681
IMHO if your scores are even close to accurate you should garden at least 6 months. Congratulations on your cards. Thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
CONGRATS
My signature score was not accurate, here is updated data.
Eq FICO 617
Ex FAKO 628
Tu FAKO 681
Ideally these wouldn't get me the best limits, if approved at all, but I just wanted the cards to age together in the garden...
Eq FICO 617
Ex FAKO 628
Tu FAKO 681
Ideally these wouldn't get me the best limits, if approved at all, but I just wanted the cards to age together in the garden...
Congrats! 
