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CSR + 3 others approvals!

Auto Loans for ANY Credit Situation. Immediate Response.
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Frequent Contributor

Re: CSR + 3 others approvals!

Way to go!!!

Present Day...Equifax: 765, TransUnion: 778, Experian: 758
Sept. 2016...Equifax: 652, TransUnion: 608, Experian: 597
PenFed CLOC: $500
Message 21 of 39
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Regular Contributor

Re: CSR + 3 others approvals!


@SarahJo wrote:

Way to go!!!


Thank you!!


Goal Score:725

[ AmEx Blue Cash Preferred - $30000 ]
[ Chase Sapphire Reserve - $22400 ]
[ BofA BankAmericard - $16000 ]
[ Cap. One QS - $7800 ]
[ Cap. One QS - $7000 ]
[ AmEx EveryDay Preferred - $5000 ]
[ Discover IT - $4500 ]
Message 22 of 39
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Community Leader
Super Contributor

Re: CSR + 3 others approvals!


@TheConstant wrote:
First time application spree. Approved for:

Chase Sapphire Reserve - $22.4k
BofA BankAmericard - $16k
Discover IT - $4.5k
AMEX EveryDay Preferred - $2k

Pending message:

US Bank Cash+

My scores at the time were:

EQ - 683
TU - 701
EX - 705

25% UTIL

Chase pulled EX and TU
BofA pulled EX
Discover pulled EX
US Bank pulled TU
AMEX was SP (already have BCE with them)

And first time proudly saying this...
TO THE GARDEN I GO, LADIES AND GENTS! 😁

A very nice haul. Congratulations



DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 23 of 39
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Regular Contributor

Re: CSR + 3 others approvals!

Thank you!

Goal Score:725

[ AmEx Blue Cash Preferred - $30000 ]
[ Chase Sapphire Reserve - $22400 ]
[ BofA BankAmericard - $16000 ]
[ Cap. One QS - $7800 ]
[ Cap. One QS - $7000 ]
[ AmEx EveryDay Preferred - $5000 ]
[ Discover IT - $4500 ]
Message 24 of 39
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Established Contributor

Re: CSR + 3 others approvals!

Congratulations on all of your approvals! You may wish to share your credit journey. You have given hope to others.


Message 25 of 39
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Regular Contributor

Re: CSR + 3 others approvals!


@corpcrmgr wrote:

Congratulations on all of your approvals! You may wish to share your credit journey. You have given hope to others.


Thank you!! 

 

6 years ago I was homeless in my early 20's. Defaulted on every student loan. Had a $600 Charge Off on a WF card. Had a medical collection (for $30...) on record. 

 

Starting credit score was a high around 480. Fortunately saved from homelessness by a family. Spent all of my money working three low wage jobs on my student loan debt. Asked the loan agency for deferment and they granted me 6 months. I landed an entry level corporate job and used all of my money to first pay rent and utilities, and then student loans to get caught up to present.

 

I ignored the credit card at first because it was already CO'ed. I then opened an unsecured CapOne Platinum card with a $300 limit. Used it for groceries and paid the bill in full each month. I then made a payment agreement with WF to pay off the CO in full (I did not try to bargain down debt).

 

After CO was paid, I applied for an entry tier Barclaycard and was denied with recon. I opened a second CapOne card with a QS1 limit of $500. More responsible spending led to auto CLI to $3300 and $3800. I then opened an AMEX BCE of $5000. Responsible spending auto CLI'ed all of them again. Then slowly my util grew. Next thing I know, it's a large balance. 

 

I had changed jobs three times and had salary increases each time.

 

I used my 401k to loan money to pay off debt. Waited a short while for util to come down, and score shot up to around 700 for two of three CB's, and then applied for these cards. 


Goal Score:725

[ AmEx Blue Cash Preferred - $30000 ]
[ Chase Sapphire Reserve - $22400 ]
[ BofA BankAmericard - $16000 ]
[ Cap. One QS - $7800 ]
[ Cap. One QS - $7000 ]
[ AmEx EveryDay Preferred - $5000 ]
[ Discover IT - $4500 ]
Message 26 of 39
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Community Leader
Valued Contributor

Re: CSR + 3 others approvals!

Congrats! I think that new Chase will be okay. Just don’t app for anything else lol
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 27 of 39
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Valued Contributor

Re: CSR + 3 others approvals!

Congrats on the approvals! Is the BoA card for BTs?


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 28 of 39
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Regular Contributor

Re: CSR + 3 others approvals!


@xaximus wrote:
Congrats on the approvals! Is the BoA card for BTs?

Thank you!! Yes it is. I had a $6k balance on the AmEx and I transferred $5k to the BofA card to pay it off interest free. I'm going to lightly use BofA and utilize the others as I can. Discover IT will be used in the match categories and CSR will be used for nearly the rest to fund my honeymoon Robot LOL

 

@pinkandgrey wrote:
Congrats! I think that new Chase will be okay. Just don’t app for anything else lol

Thank you for the good vibes!! Absolutely keeping my fingers off any "apply now" buttons lol


Goal Score:725

[ AmEx Blue Cash Preferred - $30000 ]
[ Chase Sapphire Reserve - $22400 ]
[ BofA BankAmericard - $16000 ]
[ Cap. One QS - $7800 ]
[ Cap. One QS - $7000 ]
[ AmEx EveryDay Preferred - $5000 ]
[ Discover IT - $4500 ]
Message 29 of 39
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Established Contributor

Re: CSR + 3 others approvals!

Congratulations on your approvals and great SL enjoy the freedom 😎.
NFCU AMEX Rewards 25,000 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 7,600
Citi Double Cash 10,300
Citi Simplicity 2,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 4,500 Chevron 900 Fico 8 Scores EQ=754EX=698 TU=728 Scores and CL current as of 02/03/20 AAoA=2years6minths AoOA=17yrs
Message 30 of 39
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