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Great Scott!! - Amex BCE | Lowes | NFCU Platinum

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Great Scott!! - Amex BCE | Lowes | NFCU Platinum

Back on the road to recovery in many ways.  Three years ago my wife lost her job due to a company shutdown (40%) of our income and a month later she was diagosed with stage 2 breast cancer. We didn't carry much CC debt with the 4 credit cards we had.  We have good health insurance but with her job loss, 14 months of treatment and recovery and co-pays we maxed out everything and used ALL of our savings.  We managed to keep all the cards current, car payments made and had a roof over our head.  Some of those medical bills turned to collections unfortunately.  $2,800 in collections. We were 97% maxxed on our cards for well over a year.  

 

Fast forward my wife is doing well and I've been hammering away at those 4 cards since.  We just paid off the last collection a week ago and it was removed. Our current utilization is down to 2%. 

 

I went on an app spree in the last 20 days and picked up an Amex BCE (I should have been patient and waited until that collection was off but I didn't). They gave me a $1,000.  I'll ask for that 3xCLI when the 61 day mark rolls around. 

 

Next was Lowes. Approved online for 1K so I called a few days later and they raised it to $12,100.  We will use this card down the road when we start building on our Western NC mountain property in the next few years.

 

We have been with NFCU for 2 decades. We've had a personal loan and several car loans but never a credit card with them. Just reading what others have done made my want to see if I could follow up the $12.1k Lowes limit.  I online app'd on 8/15 and the next morning (yesterday) I saw they approved me for 15k.  I will ask for a CLI when the time comes for that. 

 

Our score aren't where they were 3 years ago across the board but this year has been personally rewarding seeing our efforts pay off finally.  A 207 point increase with EQ especially.  I wish I had found this board a year ago and I woudn't have made some technical errors that I made last year and early this year with app's denied and HP's hammering my TU and EX scores.  I'm in the garden now until next Spring and back to building our savings.  

 

 

.  

 

 

 


NFCU Platinum 15k | Lowe's $12.1k | Disco Chrome $4k | Cap 1 QS (AU) $2.75k | Cap 1 QS $1.35k | Cap 1 Savor One $1k | CNFA Firestone $2.4k | Merrick $1.6K | Amex BCE $1k | 14.21% UT
January 2019 | EQ 565 | TU 585 | EX 604
August 2019 | Fico 8 | EQ 772 | TU 754 | EX 706
October 2019 | Fico 8 | EQ 768 | TU 757 | EX 728
Message 1 of 16
15 REPLIES 15
New Contributor

Re: Great Scott!! - Amex BCE | Lowes | NFCU Platinum

Congrats on the approvals! I am waiting on my 91/3 with Navy to do this same type of “app spree”. I want to do Amex first, then Lowe’s, then NFCU as well. Did they all pull TU?
Message 2 of 16
Established Member

Re: Great Scott!! - Amex BCE | Lowes | NFCU Platinum

NFCU: EQ Fico 9 which is what I was expecting after reviewing the Credit Pull database for NFCU in Virginia.  As long as it was EQ or TU I figured I was fine.  

Lowes:TU

Amex: EX


NFCU Platinum 15k | Lowe's $12.1k | Disco Chrome $4k | Cap 1 QS (AU) $2.75k | Cap 1 QS $1.35k | Cap 1 Savor One $1k | CNFA Firestone $2.4k | Merrick $1.6K | Amex BCE $1k | 14.21% UT
January 2019 | EQ 565 | TU 585 | EX 604
August 2019 | Fico 8 | EQ 772 | TU 754 | EX 706
October 2019 | Fico 8 | EQ 768 | TU 757 | EX 728
Message 3 of 16
Moderator

Re: Great Scott!! - Amex BCE | Lowes | NFCU Platinum

Grats on the trifecta and welcome to myFico Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 4 of 16
Valued Contributor

Re: Great Scott!! - Amex BCE | Lowes | NFCU Platinum

Great job on the progress and staying the course.  Congrats on the approvals!



Message 5 of 16
Established Contributor

Re: Great Scott!! - Amex BCE | Lowes | NFCU Platinum

A W E S O M E    J O B ! ! !

 

    waytogo.jpg

Sounds like you and your family have been through a lot!  Great job sticking with a plan and making it happen!  Many of us have been through financial trials in our lives so we know how difficult and daunting it can seem.  Hang it there, you can rebuild with time and perserverance.

 




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9.5+ years; AoYA = less than 1 year (Aug 2019)
Total Open Credit Lines Over $400K. Utilization Less Than 1%. Inquiries until May 2020 (TU:1 -- EQ:0 -- EX:5)
*Hover cursor over each card to see name, CL
Message 6 of 16
Senior Contributor

Re: Great Scott!! - Amex BCE | Lowes | NFCU Platinum

Congrats!!!, Oh and AverageJoesCredit will love your name TrixR4KidsSmiley Wink

Message 7 of 16
Established Member

Re: Great Scott!! - Amex BCE | Lowes | NFCU Platinum


@Aim_High wrote:

A W E S O M E    J O B ! ! !

 

    waytogo.jpg

Sounds like you and your family have been through a lot!  Great job sticking with a plan and making it happen!  Many of us have been through financial trials in our lives so we know how difficult and daunting it can seem.  Hang it there, you can rebuild with time and perserverance.

 



I can see many fellow school of hard knocks graduates as I read these posts.  Being laser focused is what kept from falling off a cliff this go round.  Thanks for the kind words. 


NFCU Platinum 15k | Lowe's $12.1k | Disco Chrome $4k | Cap 1 QS (AU) $2.75k | Cap 1 QS $1.35k | Cap 1 Savor One $1k | CNFA Firestone $2.4k | Merrick $1.6K | Amex BCE $1k | 14.21% UT
January 2019 | EQ 565 | TU 585 | EX 604
August 2019 | Fico 8 | EQ 772 | TU 754 | EX 706
October 2019 | Fico 8 | EQ 768 | TU 757 | EX 728
Message 8 of 16
Established Member

Re: Great Scott!! - Amex BCE | Lowes | NFCU Platinum


@M_Smart007 wrote:

Congrats!!!, Oh and AverageJoesCredit will love your name TrixR4KidsSmiley Wink


I've been rocking that user name on and off for a very long time.  Their not just for kids you know!! Smiley Very Happy


NFCU Platinum 15k | Lowe's $12.1k | Disco Chrome $4k | Cap 1 QS (AU) $2.75k | Cap 1 QS $1.35k | Cap 1 Savor One $1k | CNFA Firestone $2.4k | Merrick $1.6K | Amex BCE $1k | 14.21% UT
January 2019 | EQ 565 | TU 585 | EX 604
August 2019 | Fico 8 | EQ 772 | TU 754 | EX 706
October 2019 | Fico 8 | EQ 768 | TU 757 | EX 728
Message 9 of 16
Senior Contributor

Re: Great Scott!! - Amex BCE | Lowes | NFCU Platinum

Congrats on a lot of fronts here - finding a way to weather the job loss and medical bills, keeping everything current, getting the debt paid down, and the trifecta of great approvals. Most of all though, I’m very glad to hear your wife is doing well. That’s a terrifying thing to face - thankfully she is doing well and still with you!


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 10 of 16
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