Capital One Approval!

[Anonymous]

I cannot believe it....I just got approved!! I just applied to Credit One today and got denied. I have been rebuilding my credit for a long time. Just bought a new home in September and a couple of months back I tried applying with two CC companies and got denied. Took my chances today and applied with Capital One and got approved with a $1000 CL. I only have one other CC with a limit of $270 (what a joke). But I have been restoring my credit for awhile and trying to not have a CC but just for emergencies only. I am so happy that I know my credit is coming back to a good point.

[myjourney]

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@Anonymous wrote:
I cannot believe it....I just got approved!! I just applied to Credit One today and got denied. I have been rebuilding my credit for a long time. Just bought a new home in September and a couple of months back I tried applying with two CC companies and got denied. Took my chances today and applied with Capital One and got approved with a $1000 CL. I only have one other CC with a limit of $270 (what a joke). But I have been restoring my credit for awhile and trying to not have a CC but just for emergencies only. I am so happy that I know my credit is coming back to a good point.

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Congrats 

[Anonymous]

Congrats!

[Anonymous]

congratssss

[asphaltcowboy]

Congrats on your approval and new home!!!

[EaglesFan2006]

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@Anonymous wrote:
I cannot believe it....I just got approved!! I just applied to Credit One today and got denied. I have been rebuilding my credit for a long time. Just bought a new home in September and a couple of months back I tried applying with two CC companies and got denied. Took my chances today and applied with Capital One and got approved with a $1000 CL. I only have one other CC with a limit of $270 (what a joke). But I have been restoring my credit for awhile and trying to not have a CC but just for emergencies only. I am so happy that I know my credit is coming back to a good point.

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Did you ave any other credit issues?  I'm somewhat stunned that Credit One denied that, especially with your scores!

[Anonymous]

Did you ave any other credit issues?  I'm somewhat stunned that Credit One denied that, especially with your scores!

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Thanks Everyone! Yes, I have 4 charge-offs that are over 5 years old and Credit One one was one of them as well as Orchard Bank. They were all less than $500 balances; I was straight out of college . Other than that I have no other damages to my credit; just my home loan and student loans. Those charge-offs held me back from getting any kind of CC though, so I just remained patient. People don't realize that your scores can be pretty good but it's what is on your report that affects you being approved or not.

[sccredit]

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People don't realize that your scores can be pretty good but it's what is on your report that affects you being approved or not.

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Truer words.....

[blunderer]

Congrats on the Cap One approval and your new home.

[Anonymous]

Congrats x2