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Hi, All!
I'm stopping in to share some of my progress:
AMEX ED: Opened 5/2017 - Started at $1k...denied 3x/CLI...re-conned via chat...now @ $3k since 2/2018
CAPITAL ONE QS Opened 5/2012 (closed VentureOne, QS1 & combined into QS) - No changes/no CLI. Sits @ $5750. Denies CLI every time.
DISCOVER CB: Opened 8/2017, started at $1200, up to $1800 in 4/2018, now sits at $2100 as of last week. (Was on the $300/120 day train lol)
HHFCU CC Opened 11/2013: $2K - use once in a while. Not interested in using a hard pull to request an increase.
MACY's: Re-opened 9/16 after burn/collection around (?'12?), started @ $600 ; now @ $20k as of yesterday!! I'm a frequent shopper.
(Sidenote: After $12k, I was getting $1500 increases; Yesterday, I went from $16k to $20k...I'm doing something right lol!)
NFCU Amex Opened 11/2017: $25k - No changes
NFCU GoRewards Opened 7/2017: $24k - No changes
USAA: Opened 10/17 with $2500; No changes (Use this for cashback on recurring payment & pay off every month...interest is CRAZY!)
ZALES: Opened 2/13 @ $1k(?)...as of 11/17 - Increased from $1750 to $2500 (for utilization. Used card twice.)
Victoria's Secret: Opened 10/17. Starting CL $500...increased to $1k in 5/18...as of few days ago increased to $1500
NLOC - $6K
US Alliance LOC: $2k
TU 8: 706
EX 8: 691
EQ 9: 698
Overall CL: $83,850 (once Victoria's Secret & Macy's update CLI, it will be $88,350, not including LOC's)
~No lates since 9/2016 (student loan). No changes in LOC's.
~1 paid settlement/collection due to fall off 7/2019 under NY 5 -year purge rule (Correct me if I'm understanding it wrong!)
~Util: 17% overall
~10-15 inquires per report - mostly from car shopping & NFCU products (due to fall off 2019)
~Minor set back in my AZEO efforts due to some unexpected hefty medical bills, but I'm working hard ~
MY ADVISE: DON'T GIVE UP!! A few months ago I was only receiving offers from predatorial lenders with horrible terms. Now, lenders like Citi, Chase, and even American Express are "knocking" in my email and mailbox. Not the best APR's/terms yet, some are even for just promotional purposes, but at least I'm on their radar
More to come....
Congrats! Well done!
Congrats on all CLI ... Thanks for all Data points
Excellent post, iad! Thanks for all the details. And Congrats! to you.
Way to go! Great job building it up so much!