Delta gold Skymiles approved 25K

Anonymous · ‎01-19-2019

Was a single pull of experian score is 805. I haven’t applied for a card in over 2 years since my chase sapphire reserve 34K approval. Also have a southwest card 12k a freedom 6k and a discover 50k and quicksilver 17k. Just 5 years ago I had a cap1 for 300 bucks that was it nobody trusted me or wanted to give me credit fico was 550ish finally all the bad came off the reports income over 100k all 3 fico scores over 800. So if your reading this and totally distraught on low approvals or denials my advice is time makes everything better keep the payments up and good things happen I’m living proof.

KingPredator · ‎01-19-2019

Congrats on your approval and thank you for sharing your credit journey with us.

Brian_Earl_Spilner · ‎01-19-2019

Congrats.

I think it's a good reminder that all the little tricks everyone tries to boost their scores and creditworthiness pales in comparison to time. Time is the only thing that will fix your credit.

Along with never being late on your payments again.

19eighty5 · ‎01-19-2019

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

simplynoir · ‎01-19-2019

Congrats on your new card!

Anonymous · ‎01-19-2019

Great words of encouragement. Thank you! Congratulations!

Anonymous · ‎01-19-2019

Congrats on your new Amex Delta Gold! Great SL too!

Anonymous · ‎01-19-2019

Did you take advantage of the 60k increased offer?

CreditRebuilder2020 · ‎01-20-2019

@Brian_Earl_Spilner wrote:
Congrats.

I think it's a good reminder that all the little tricks everyone tries to boost their scores and creditworthiness pales in comparison to time. Time is the only thing that will fix your credit.

Along with never being late on your payments again.

PREACH.....

Best advice out there and trust me, as someone who is rebuilding, it can be extraordinarily frustrating. Just gotta keep that "Marathon, not a sprint mentality"

And congrats on that Monster start for that AMEX Delta Gold Card! You have a great resume. Hope to be there one day!!!!

X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs

pinkandgrey · ‎01-20-2019

Very nice. Well done! Not applying for any credit in 2 whole years probably helped you too lol. Not many of us have that much self-control.

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k