After a years-long quest to improve my credit and clean up the messes made as an adolecent, I finally reached a point where I felt like I was in a good enough place to apply for my GOAL card, my DREAM card! I applied for the CSR on Saturday morning and did not get an immediate approval. The robolady was giving me the 30-day message and from all of my reading on this forum, I did not fret. I waited until this afternoon to call and speak with a rep in the Fraud (verification) Department and she verified it was me by having me hang up and she called me back and then she also sent a text with a verification code to read back to her. After just a couple of minutes she came back to report that my application was APPROVED and my starting line will be $17,400.
Current Data Points:
4/24- *Interesting note: My credit report lists the 5th account opened on July 2017. I perhaps should have waited until August 1st to apply just to be safe but I went ahead and applied. Hopefully this data point will suggest that you do not necessarilly need to wait for the 25th month to apply.
FICO 8- EX 708
FICO 8- TU 705
FICO 8- EQ 698 (From a few months ago. Not sure what the current score is)
Chase pulled both EX and EQ.
Previous highest limit- $9,300
Current Utilization- 5%
No Derogs except several 120 day lates on a student loan from 5+ years ago.
I hope this information will add to and continue to help others in their journey. I finally get to say this: I'm headed to the garden!!
Thats a nice score, it raises your highest limit. Use it responsibly and rock on~ congrats!
I am glad someone posted with very similiar scores to me (including the student loan lates, only baddies on my report). Congrats!