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First time around!! Feelings great!

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Established Member

First time around!! Feelings great!

Sooooo this is my first time posting so be patient with me, with the lingo and tags 😁. I have been researching like crazy and peeking around here for a month or so and i finally decided to go push the button on some apps! Soooo with one Capital one quicksilver that i had at about 4% ultilization for 10 months no late payments and these scores:
EQ 684, EX 688, TU 669

I applied for & got approved for
AMEX GOLD: NPSL
NFCU LOC: $5k
NFCU Go Rewards: $15k
AMEX DELTA: $4K
Amex Hilton $1K
Discover It student: $500

I’m praying that all these new cards don’t kill my score but I’m super excited!!! Plan on keeping all of my ultilization under 10%!

Any good advice?


NFCU Visa Signature 15k
NFCU LOC 8k
Discover IT $500
CAP ONE 1.5k
Amex Gold NPSL
Amex Delta Gold 4k
Amex Hilton 1k
Barclays Apple Rewards $700
PenFed LOC $500

EX: 689 TU:674 EQ: 667
Message 1 of 11
10 REPLIES 10
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Frequent Contributor

Re: First time around!! Feelings great!

Congratulations on your additions! 👏🏾 Very nice choices 👌🏾

My only advice would be pump the breaks a bit, and do some research on the garden!

06.2019

03.2018

NFCU CLOC: $15,000
Message 2 of 11
Established Member

Re: First time around!! Feelings great!

Yes i will like to go to the garden for at least 6 months after this! Have a baddie that I’m in the process of disputing and i want to watch my AAoA increase. Hopefully some SP for CLI in the next 90 days will give me success!

Can i ask an off topic question? For the life of me i can not figure out how to get my cards/ scores as my signature..... could you help me with the steps to do so?


NFCU Visa Signature 15k
NFCU LOC 8k
Discover IT $500
CAP ONE 1.5k
Amex Gold NPSL
Amex Delta Gold 4k
Amex Hilton 1k
Barclays Apple Rewards $700
PenFed LOC $500

EX: 689 TU:674 EQ: 667
Message 3 of 11
Valued Contributor

Re: First time around!! Feelings great!

I'd say you jumped into the pool quite nicely. Congratulations! 

And thanks for the DPs.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2019): FICO 08 EXP: 747; TU: 749; EQ: 747
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 4 of 11
Valued Contributor

Re: First time around!! Feelings great!

Welcome to the forum. Congrats on your approvals! Smiley Happy





Message 5 of 11
Community Leader
Senior Contributor

Re: First time around!! Feelings great!

Congrats on an impressive haul!

Two bits of advice - aim for slightly less utilization. Instead of below 10%, go for below 8.9% for the best effect on your scores.

Second, garden for a year rather than 6 months. That’s a big chunk of inquiries and new accounts and they will have an effect. Give them 12-13 months so the inquiries no longer affect your score and your accounts age (youngest account hitting a year of age is good for a score boost), and focus on CLIs on these accounts instead. After a year, if you need to apply again, I’d go after Discover and an AmEx core revolver. If you’ve gardened well and kept UTI low you could be positioned for some big SLs!


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 6 of 11
Valued Contributor

Re: First time around!! Feelings great!

Congrats on the approvals, as others have stated, bring your UTI down under 8% and garden. Your scores will go up in now time.

Also - for your signature - https://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/t...


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 7 of 11
Valued Contributor

Re: First time around!! Feelings great!

Nice haul! But definately time to put on the breaks and grow/garden them for sure!

 

Keep the utilization down! Learn what you can about the lenders here. Keep up good habits and give it time to grow!



9/16/17 FICO 9 TU-661 EQ-648 EX-607
12/27/17 FICO9 TU-706 EQ-672 EX-690
3/16/18 FICO9 TU-700 EQ-669 EX-716
6/26/18 FICO9 TU-750, EQ-672, EX-789


Message 8 of 11
Senior Contributor

Re: First time around!! Feelings great!

Congrats on your approvals spree !!!!

 

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 9 of 11
Senior Contributor

Re: First time around!! Feelings great!

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 10 of 11
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