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Finally got a milestone limit

CreditInspired
Super Contributor

Re: Finally got a milestone limit

Huge congratulations @quamfy and welcome to MyFICO

It never fails—patience, hard work, and a focused goal always win the race.

Kudos to you and continued success on your journey.

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $7K || BOA CashRewards $6K
Message 11 of 21
StartingOver2018
Frequent Contributor

Re: Finally got a milestone limit

Congratulations! 🎊😉
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 12 of 21
dancer5678
Regular Contributor

Re: Finally got a milestone limit


@Quamfy wrote:

Thanks, and I would be happy to share the lawsuit details. 

 

The debt was from 4-5 years ago for about $1500 or so.  

 

Prior to the lawsuit I offered them a settlement of about half and they declined, so I figured I'd rather spend my money on my defense than paying these people who I didn't even originally owe. So, I paid a local bankruptcy attorney $500 to defend me and he came up with the following defense:

 

He used the arbitration clause in the agreement I had with the original creditor to force them to give up. Since arbitration costs about $2500 or so to start, it wouldn't have been worth it for them to pay $2500+ to potentially collect $1500. So, they declined the arbitration and the case was dismissed with prejudice. They can't try and collect on the debt, they can't sell the debt, and I can't sue them for anything related to the debt. Case closed! 



 


Wow! Thats excellent! Once again welcome to the forums and as others have said there are loads to learn here and your continued hard work will open doors for better opportunities!!!


Joined myFico community 9-15-18
FICO® Score 8 as of 07-2020
Total CL $70k


Message 13 of 21
NextUp2bat
Valued Member

Re: Finally got a milestone limit

Hey n_la,

 

New to site. My credit is in great shape but I am trying to help my sister to rebuild her credit and I saw your impressive credentials. May I ask how you were able to increase your credit scores so rapidly?

Message 14 of 21
n_la
Frequent Contributor

Re: Finally got a milestone limit

@NextUp2bat - Thank you for your kind words. However, I hardly find my profile impressive! Quite the opposite, actually. 😂 Like so many people here, I am in the process of rebuilding from a very mismanaged past. Specifically, complete fiscal insanity of the past.

My early success can be contributed to absorbing a lot of information that is available right here on these threads, 24/7/365. Now, realistically, there is bad information here. There is also, a depth of knowledge, concepts, strategies, stories, and data points that are simply invaluable! I read, ask questions, compare data points, and apply what I need from each thread; and discard the rest.

I also try to play by the rules 😬😬 This is a Credit Card Approvals thread, so I am happy to PM you with some specifics about my rebuild that has worked for ME!

Thanks again and Happy Holidays!

06.2019

03.2018

NFCU CLOC: $15,000
Message 15 of 21
VoltronM
Senior Contributor

Re: Finally got a milestone limit

Congrats on your approval and monster SL  !!!!

 

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 16 of 21
Quamfy
Member

Re: Finally got a milestone limit

I wanted to give an update and add that I was also approved for a Platinum card from Desert Financial credit union here in AZ. 0% apr on balance transfers and purchases for 15 months, $18,700 limit!

They pulled Transunion, score was 767 with a few inq’s and a 4% utilization with $40k of available credit. Newest account is a few months old.
Message 17 of 21
CreditInspired
Super Contributor

Re: Finally got a milestone limit

Congrats @quamfy

Very nice SL.

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $7K || BOA CashRewards $6K
Message 18 of 21
_NERD
Established Contributor

Re: Finally got a milestone limit

Wow great job! 


3B profile optimization in progress...
Message 19 of 21
gbyyte
Regular Contributor

Re: Finally got a milestone limit

That’s amazing! You worked hard for this and now you’re reaping the rewards! Thanks for the inspiration!
Message 20 of 21
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