Hey,
A bit of back story.
So back in 2008 fresh out of high school I thought I'd try jumping head first into living on my own with no support. Long story short, I wracked up a ton of debt I couldn't pay and destroyed my credit. I ended up moving back in with my parents under the terms I persue my college degree. With no job while I went to college, I was not targeted with judgements for my debt. I got my B.S in computer science and entered the masters program. About half way through the degree the SOL had expired on all my debt, so I got a part time job. That later opened the door to a full time job in my field. My credit still had about 12 medical collections on it at this point that were a year from falling off. I found this site and began a more active approach to cleaning up my report.
I added my soon to be wifes CAP1 tradeline to my credit as a authorized user. I had to take out a car loan in the middle of this, and got approval at 9%. I then got my own CAP1 card with a $300 limit. Following some advice on this site I cleared 9/12 of the collections. I disputed 2 of the others that hadn't reported since 2011 and asked for a EE on the last one. As of yesterday my credit reports had zero derogs and was sitting in the mid 600's. Last night I thought, why not, and applied for a First Tech Choice Rewards World MasterCard that had a minimum 10k limit since I have my bank accounts and auto loan through them. It went into pending review, and this morning I got approval!
Thank you for your credit card application with First Tech. Your application request has been approved for the following terms:
Amount Approved: $10,000.00
Interest Rate: 16.490%
My util was at 101% with my CAP1 card at the time my Experian report was pulled by First Tech. AAoA was 2 years.
I feel like I finally reached the light at the end of the tunnel.
, just trying to say the name of your card hurts my mouth
Try saying it 5x's, i think not