I GOT APPROVED!!!

[lyndon978]

Hello everybody! Today I am the happiest man on earth right now. I am 25 years old and I've never own a credit card in my life. This was due to because I was young and stupid and didn't know anything about credit. I've had multiple collections (mainly cell phones bills and macy's) and I didn't know that it will have an effect on me as far applying for a car loan or credit card. I applied for a credit card at my bank, applied for a car loan at multiple places and I got denied. I did a little bit of research and came to this site and it changed my life! I paid off all my debts in full, got the PFD letter, disputed with the CRAs and was able to remove 3 out of 4 collections from my credit report in a couple of months. Today I went to DCU and applied for a secured credit card cause I heard they are good at approving people with bad credit. And instantly they said I got approved for a regular credit card for $2,000 credit limit! They said my Equifax credit score is 622 with only one collection with AT&T which was paid in full. I couldn't believe I got approved. I want to thank you guys for helping me out so much. I have learned a lot. Thank you!!!

[Kenny]

Yay! Congrats! Keep it up and before you know it you will a great profile!

[mnosal9]

Congrats!!!! You should be proud!!

[MsLadyRover]

Congratulations!!

[09Lexie]

Welcome to the forum! Congratulations on your approval.

Were you already a member or did you app for membership after your approval?

[CreditMagic7]

Welcome To The Forums & Congrats!

Good job turning matters around to your favor. Keep that train rolling.

[reverted]

Congrats! Use the card well and wisely and many other doors are bound to open for you soon

[lyndon978]

Thank you everyone once again! I had to apply for membership and open a checking account. I think this bank is really good and they offer good rates. They're in the top 25 credit unions in the usa right now accoring to sources

[CreditMagic7]

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@lyndon978 wrote:

Thank you everyone once again! I applied for membership after I got approved. They required me to open a checking account.

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Best of luck on a great credit journey.

I wish i had this resource when i was 18.

[yudeology101]

Congratulations!  Great job on your journey, best wishes to you.