Hi everyone!
I pulled my CCT scores/reports this week, and pleased to see the progress I've made during my (re)rebuild. I'm focused and anticipate that I'll "fully" be in the 700 club before years end! 😃
EQ 684
EX 696
TU 713
Overall Util:14%
My oldest CC is a Capital One QS, a little over six years old. Perfect payment history on this account & some light/moderate card usage over time. Every CLI request was denied, I came to the the conclusion that it was "bucketed," but continued efforts anyway. Persistent, yet patient😉
In December '17 I closed my QS1 and VentureOne cards, and combined them into the QS. I waited out the 6 months before requesting an increase again, but they continued to deny me. I'm not discouraged one bit. I'm on the UP😉 As my credit scores and profile grow, my goal is to weed CO out of my wallet...unless I get a better APR lol. They gave me a chance, without an annual fee, when no other predator would😂 so we will see.
These past two months, I did put a lot of usage through the card, and made one moderate payment; the following month I made a large payment, but have a $1200 balance.
I check my accounts daily, and while on the app, I decided to try my luck once again (I must like denials, huh? LOL)
FINALLY $5,750 -> $8,750! $3K increase!!
I'm sorry, this post just unintentionally became a little longer Lol!
As I'm typing this I just realized I joined the $100K CLUB (if we include the $8k lines of credit) WOW!! 😁😁🙌🙌 ~$6100 more in revolving credit and I'm officially in 😅
I (briefly) went back into my Myfico history, and my recent credit journey started Dec. '16/Jan. '17 with Fico scores TU 632, EQ 648, and EX 654, some collections, low CL's and about $8-$9k in credit lines across the board.
Currently, I have one collection due to fall off in 2019, no lates in 20 months, and if you look below you will see how far I've come with CC & CL's. It can be done!! 😃
JetBlue $25.3k
NFCU Amex $25k
NFCU GoRewards $24k
Citi AAdvantage $20k
Macy's Platinum $20k
Wells Fargo Reflect $15.5k
Chase Freedom Unlimited $12.5k
Discover IT $11.9k
Cap One QS $11,750
PayPal MC $9.5k
Amex Cash Magnet $7.9k
USAA Preferred Cash Rewards $7.5k
Amex EveryDay $5.5k
Victoria’s Secret $5k
Heritage FCU Platinum $2k
PenFed $500
*Total CL: $203,850*
**Lines of Credit**
NLOC $6k
US Alliance $2k
FICO 8..... 4/25/17: EQ 648 - EX 654 - TU 632
FICO 8..... 8/27/18: EQ 684 - EX 696 - TU 713
FICO8..... 1/14/22: EX 713 - EQ 703 -TU 723
FICO 8..... 4/7/23: EX 713 - EQ 715 -TU 729
FICO 8......4/30/23: EX 733
FICO 8…..3/8/25: EX 747
