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CSP approved!

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radfam
Frequent Contributor

CSP approved!

I had solid APR offers on both Nerdwallet and Chase Credit Journey. No offers on Chase Prequal site. No relationship with chase before this. Rebuilding and my report is littered with lates. Dirty file with 65 lates still on TU and 68 lates on EX all from 2013-2016, which was who they pulled. No collections on TU or EX, no unpaid charge offs, high student loan debt, high 6 figure income.

Debated waiting to try for the CSP, based on when we plan to app for a mortgage. Determined that won’t happen until 01/2020, so pulled the trigger today.

Approved! $12,200 SL! My first over $5k and my nearest SL is $2300 with discover.

I am so excited!!!!!!!
Fico 8 as of 03/09/2023:



Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: CSP approved!

Congrats on your approval !!!!

 

 

 

Message 2 of 12
Anonymous
Not applicable

Re: CSP approved!

Congrats!
Message 3 of 12
Anonymous
Not applicable

Re: CSP approved!

Littered with lates lol. You have a good sense of humor I like it
Message 4 of 12
radfam
Frequent Contributor

Re: CSP approved!

Haha sad but true! Smiley Happy Back from my days of not actually knowing what credit was or what credit reports meant. I can’t even begin to describe how happy I am that I found the rebuilding board here on myFICO.
Fico 8 as of 03/09/2023:



Message 5 of 12
Anonymous
Not applicable

Re: CSP approved!

Still nailed it even though littered with lates!!!Smiley Happy Awesome weekend news for you!!!

 

Congratulations!!!

Message 6 of 12
ZackAttack
Established Contributor

Re: CSP approved!

Good luck with that credit line and the suffering that all of those late marks will be for you. Soon all that suffering will disappear if you stay on top of it.

MSGCU Rewards | $8kDiscover Cash It | $10kAmex BCP | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Plat | $35kNFCU cashRewards | $24kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Loans
Ford Credit Car Loan 2-year 6/22/2023 ($299/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
$1,500 Discover Card 10/2/2020 - 8/18/2021
$3,500 Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022
Ford Credit Car Loan 2-year 6/7/2021 - 6/22/2023
Message 7 of 12
radfam
Frequent Contributor

Re: CSP approved!

Luckily after finding MF, I haven’t had a late payment. I’ve done some work on the rebuilding board, watched lates come off slowly. But I’m down from > 150 per report to ~65/70ish per report. I was a habitual late payer, no auto pay. I was literally taught by my parents that auto pay was a recipe for disaster. It’s been two years of undoing the financial misinformation I was raised under. I am now in my mid thirties, financially stable, and never looking back. Self-taught and still learning every day. From 2014-2016, the best I could get was a $300 on credit steps with Capital One. I didn’t even realize what that even was at the time. I’m pleased with the progress, marathon style. So glad to have the opportunity to move forward.
Fico 8 as of 03/09/2023:



Message 8 of 12
Marz2002
Senior Contributor

Re: CSP approved!

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on the Approval and the AWESOME SL!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 9 of 12
Anonymous
Not applicable

Re: CSP approved!

congrats man I am in a similar sitation. What was your UTI?

Message 10 of 12
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