@Anonymous wrote:
WOW this is a super story and I the exact same story as you except for being a LawDawg - love you guys!
My credit history has just the same in the low 500 and I started paying off! Next July 2017 I got the darn worst
card - Premier $300 CL I nurse that card never late always on time. My FICO was never that great but
I could always find someone to sell me a car with a high-interest rate 14%. I check Credit Karma and could see what
was on my rap sheet. One car paid off, one car owing $10,000.00 and Premier Credit Card $300. Anyway
, my wife had been battling cancer and after she did her last CHEMO we were driving home and she saw a
Mercedes that she like, so we pull over and purchase the new ride - $ 40k and I'm the primary at 13.9%.
My FICO jump to 584 and then I really started paying attention! Next, I was in Nordstroms got to the register
and the tell asks if I wanted to apply for a Nordstrom card I was trying to decline but said it will only take 60 seconds.
So I figured what do I have to loss - POW! Approved for $1500. So I really started paying attention, next I found this place
and this forum has been excellent and very instrumental, I found out pre-approval is the way to go next came the Capital One
Silver $300 CL than a Miles Credit Card $300 CL because I'm growing. Then Credit One sent me pre-approval for $400. and a Credit
increase to $600 CL in one month. Next, I was standing at the register is in Walmart and the lady ask me if I like to apply I
started thinking about everything I open recently. I was being hasty so I said yes BAM $900 CL. So I chill for a couple months
FICO is now at 635. I received a pre-approval Kohls app in the mail. I applied and WAM $300. I was really content with paying off
everything every month. Making sure I keep everything below 30%. Next, I had to go to the dentist I have good insurance Metlife but
they will not take care of cosmetic work such as implants as I need so bad, the dentist told me $20k total. Metlife I call them and they the will take care of 40 %. So next time I went to the dentist the secretary asked if I ever heard of Care Credit, I sad no, I gave her my information
right there and she came back with $4000 CL. I was happy ...but what happened next was horrifying. The dentist took all $4000 at one time sending my card utilization into 57% and my FICO score di a nose dive into the 500. So over the last month I'm but up 40 points but not wear
I was at I did get a CLI from Nordstrom. I'm still growing and trying to get to 700 - 800 to reach the goal of the AMEX. Can someone please tell me how to check the data points?
you don't need a 700 score to get in with AMEX. Their Delta Co-Brand Card is not too hard to get. When I app'd they said my Experian Fico 8 score was 621. That was back in March. Google Credit Pull database and you should be able to find the website that hosts ppl's data points.
