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Big Approval Win For Me

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chelle88
Member

Big Approval Win For Me

I'm 33. I started rebuilding my credit in 2019. I may have even been in the 500s at that time. Now my EX needs work at 638, TU 690, EQ714. I got approved for the Citi Simplicity card for $11k. Card has no rewards but this is the highest I have ever been approved for! 

FICO SCORE: [EX638] [TU692] [EQ718]
Message 1 of 25
24 REPLIES 24
M_Smart007
Legendary Contributor

Re: Big Approval Win For Me

Congrats on a "Simple" Approval🤗🥳🎉

 

Welcome to the forums!

Message 2 of 25
Anonymous
Not applicable

Re: Big Approval Win For Me

2019? Why are the scores so low. But what a terrific SL, jealous! 👍

Message 3 of 25
chelle88
Member

Re: Big Approval Win For Me


@Anonymous wrote:

2019? Why are the scores so low. But what a terrific SL, jealous! 👍


I made some really poor credit card/financial decisions in my early 20s. I had to wait the 7 years for them to fall off. I also had student loans go into default but I reconsolidated them, are now in good standing and about to be paid off. 

FICO SCORE: [EX638] [TU692] [EQ718]
Message 4 of 25
CYBERSAM
Senior Contributor

Re: Big Approval Win For Me

Congrats on your Citi Simplicity approval! 🤑👍







                
Message 5 of 25
mfinsmi1
Established Contributor

Re: Big Approval Win For Me

@chelle88 CONGRATS huge move - did u prequalify for the card or did you cold app?

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 6 of 25
CreditAggie
Community Leader
Super Contributor

Re: Big Approval Win For Me

Congratulations on your Citi Simplicity approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 7 of 25
user979797
Established Contributor

Re: Big Approval Win For Me

Congrats to you on both your approval and your rebuild. I believe later on you may be eligible to convert your simplicity card to another citi card product if you so desire so it's a big win alright. Smiley Happy

>
Message 8 of 25
Anonymous
Not applicable

Re: Big Approval Win For Me

That's awesome, congrats to you.

Message 9 of 25
M_Smart007
Legendary Contributor

Re: Big Approval Win For Me


@Anonymous wrote:

2019? Why are the scores so low. But what a terrific SL, jealous! 👍


@Anonymous , It just goes to show, that scores alone ...are not the holy grail.

 

Message 10 of 25
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