So I used to have amazing credit in 2015 and then went thru issues of my files, my furniture, computers, etc all stolen out of storage when moving between houses. That lead to identity theft and credit taking a nose dive.
I have slowed gotten back on track after moving to Texas. I have cleaned up most of the credit issues and purchased a house Feb 2020. I slowly started applying for credit cards again and building my score back up.
I have a $250 Lane Bryant $300 First Premier and $600 Credit One AMEX. I pay all of my bills early each month and keep my monthly balances down to under 5% overall on cards.
Yesterday, I decided to go to the Capital One pre-qualify link and see what the soft pull would get me. I was offered 3 unsecured credit cards. I accepted and was completely approved for the Capital One Quicksilver card with a $2000 limit, 1.5% cash back and rate of 26.99%.
OMG!!! I got an email from Navy Fed CU to pre-qualify. I thought for **bleep**s and giggles I would have them do the soft pull. I was pre-approved for 5 unsecured and 1 secured. I took the Go Rewards card with $7100 credit limit. 16.99% rate, offers the 3x, 2x and 1x rewards on shopping, restaurants, gas, etc. OK NO MORE CREDIT CARDS FOR THIS YEAR. I waited months to add these 2. I am making a smart move to stop when I am ahead.
As with my other cards, I will be using and paying off before the due dates. Then waiting until after I know they have reported the monthly balances to each credit bureau and use them again. This is my cycle. I probably don't need to be extreme but it's raising my scores so...
Starting Fico 8 Score Dec 2019: 469 TU 501 EQ 453 EX
Current Score: 819 TU 795 EQ 796 EX
Goal Score: 820 Across the board
First Premier CL $600 BAL $0, Lane Bryant CL $750 BAL $0, Credit One AMEX CL $600 BAL $0, NFCU Visa CL $11,100 BAL $0, Capital One QuickSilver CL $2000 BAL $0,Capital One Savor CL $3000 BAL $0,Discover CL $10,000 BAL $0,Ashleys Homestore CL $3500 BAL $0,
Bobs Furniture AKA Wells Fargo CL $3100 BAL $0,LATE PAYS/COLLECTIONS/BANKRUPTCIES/CHARGEOFFS/JUDGEMENTS 0
(+102) | 
(+106) | 
(+151)
