cancel
Showing results for 
Search instead for 
Did you mean: 

Finally Approved for a Big Girl Card! $12K SL post BK

Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

PhotoGrid_1564077366657.jpg




Message 11 of 44
MyFault
Valued Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Congrats on the Disco!!! I'm jealous of your SL!



  |  
Message 12 of 44
M_Smart007
Epic Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

 

Welcome To myFICO Forums and

Message 13 of 44
ChiTownGirl1
Regular Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Thank you! They only ran Experian which at that time was 711... After the inquiry it dropped to 697 so hoping it rebounds fairly quickly.

Late to the game but at least I'm getting started.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym
Message 14 of 44
CreditCuriosity
Moderator

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Thanks it will rebound quicker than you expect.

Message 15 of 44
ChiTownGirl1
Regular Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

LOL IKR and First Premier tried to warn me that cancelling would drop my credit score so keep it open. I was like nope, I'm done paying monthly fees on a card I don't even use.

Late to the game but at least I'm getting started.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym
Message 16 of 44
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK


@ChiTownGirl1 wrote:

Thank you! They only ran Experian which at that time was 711... After the inquiry it dropped to 697 so hoping it rebounds fairly quickly.


It takes 1 year to get those points back.




Message 17 of 44
M_Smart007
Epic Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK


@ChiTownGirl1 wrote:

Thank you! They only ran Experian which at that time was 711... After the inquiry it dropped to 697 so hoping it rebounds fairly quickly.


your score drop is just a tiny bump in the road. It will rebound in no timeSmiley Happy

Message 18 of 44
ChiTownGirl1
Regular Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK

Thanks Smiley Happy I'm jealous of your AMEX. 

Late to the game but at least I'm getting started.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym
Message 19 of 44
M_Smart007
Epic Contributor

Re: Finally Approved for a Big Girl Card! $12K SL post BK


@Brian_Earl_Spilner wrote:

@ChiTownGirl1 wrote:

Thank you! They only ran Experian which at that time was 711... After the inquiry it dropped to 697 so hoping it rebounds fairly quickly.


It takes 1 year to get those points back.


possible to get points back by other factors in less than a year. my .02 worth

Message 20 of 44
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.