Hello to all! I am a long time lurker and have been building my credit for some time. I started with several derogatory remarks from college, which have all disappeared and fell off my report.
I wanted to share this information for any individual reading the forums, there is hope and light at the end of the tunnel. Keep reading, researching, and listening to the users here. It has helped me change my entire credit health and life around. Some stats to my approval :
-Income around 100k
-5/24 expired on September 5, 2020
-Application : Applied on September 5 around 2pm, application was through chase account (NOT green check mark, but through the credit card section), all credit cards disappeared after approval:
-Utilization is 1%
-Experian is the only bureau pulled, every major bank appears to only pull Experian here in New Jersey. Have 8 inquiries on Experian, 1 on the other two.
-FICO scores upon approval : 762 experian, 778 equifax, and 791 on Transunion
-AAoA is 2 years and 1 month
-I do bank with chase. No preapprovals in branch or online. Another data point, 5/24 expired on the day and not the first of the next month.
-Credit cards:
Cap one quicksilver - $500
Cap one quicksilver - $1500
Discover It - $2700
Chase Freedom - $4000
Chase Freedom Unlimited - $6600
Capital one Venture - $10000
TD cash CC (Authorised user)- $12000
APPROVED :
Starting credit limit $21,700, APR at 16.99%.
If i missed anything, please feel free to ask. I will update thread once card arrives if they include their score. Thank you to all!
