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January Approvals :)

dryland
Established Member

January Approvals :)

So earlier this month I begain apping to increase my available credit. Had a Cap1 Plat $750 SL. CreditOne $450 SL. Fingerhut $700.

 

Got a $3,000 QS1. Recently got the credit steps email. Sucks. 1/2/2019

Got a $2,000 Visa from my local credit union. 1/15/2019

Got $15,000 Visa Plat from NFCU. 1/15/2019

Got 15,000 CLOC from NFCU. 1/30/2019.

 

Credit Lines up from $1900 to $37,000.

 

I think this was a good  month. Time to chill for a few months, then apply for a mortgage.

 

Scores were in the low 500's back in September. Currently 630-650.

 

You all made this possible. Thank you!

 


Message 1 of 10
9 REPLIES 9
CivalV
Established Contributor

Re: January Approvals :)

Congratulations 🍾🎊 awesome SLs!!
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by June 2022: First Time Home Buyer
AA:


Goal Completed: Auto Lease 2020 Mazda CX-5 No Income Verification


The Line Up
Marriott Bonvoy: $5000
Amazon Prime Now Sig: $2800
CITI Costco: $5500
CITI Double Cash: $6100
Navy Rewards: $2400
Amex Delta Plat: $1700
Amex Hilton Honors: $1000
Target Red Card: $2000
Victoria Secret Gold: $1200
HSN: $2500
Overstock: $4250
Kohls: $1500
Capital One: $2750
Capital One #2: $500

Penfed Personal Loan: $20K
NFCU Secured Loan: $285


Total CL:$38,700
Total UTL: 25%
Current Scores: EQ: 698 TU: 706 EX: 696
Message 2 of 10
James_A
Senior Contributor

Re: January Approvals :)

Nicely done, d. Congratulations!

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 3 of 10
SwarthyOgre
Regular Contributor

Re: January Approvals :)


@dryland wrote:

 

Credit Lines up from $1900 to $37,000.

 

I think this was a good  month. Time to chill for a few months, then apply for a mortgage.

 

Scores were in the low 500's back in September. Currently 630-650.

 

You all made this possible. Thank you!

 


 

Congrats! That's quite a bump in aggregate CL.

 

FYI (and I could be wrong) I think the recommended amount of time with no new INQ prior to applying for a mortgage is a year. More informed members than I can confirm. Best of luck with your credit journey.




Starting scores: 5/15 - EQ: 546 | TU: 580 | EX: 554
Current scores: 2/19 - EQ: 754 | TU: 750 | EX: 746
Message 4 of 10
xaximus
Valued Contributor

Re: January Approvals :)

Congrats on the approvals!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 5 of 10
Marz2002
Senior Contributor

Re: January Approvals :)

Congrats on the MASSIVE increase in Credit Lines!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi Rewards WMC $14K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $7K | NFCU More Rewards AMEX $33.5K | NFCU Flagship Rewards VS $19K
Discover IT $21K | BB&T Cash Rewards $4.5K | Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

Total CL - $226K+
Message 6 of 10
Steve891
Senior Contributor

Re: January Approvals :)

Wow! Great month of January for you! Congrats on your new cards! Smiley Very Happy




Message 7 of 10
StartingOver2018
Frequent Contributor

Re: January Approvals :)

Very nice! I assume this wasn't all due to a BK?

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 8 of 10
dryland
Established Member

Re: January Approvals :)


@StartingOver2018 wrote:

Very nice! I assume this wasn't all due to a BK?


No, went and lived on a island for a few years. In 2009, I closed all my credit cards. Sold the house. Let the student loans default.

 

Student loans were the only negative on my credit reports when I got back. Basically, I had nothing to combat the damage they were doing. Got them consolidated and starting to repay them. Luckily, my old closed accounts are still showing on my credit report so my AAOA isnt too bad.

 

Sometimes I think I shoulda just stayed in the Philippines. LOL. My wife and daughter are the only things keeping me in the rat race.

 


Message 9 of 10
19eighty5
Senior Contributor

Re: January Approvals :)

Congratulations on your approvals and good luck as you embark on your journey towards a mortgage!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Aug 2021):EX- 689, TU- 671, EQ- 671
What's in my wallet:



On the chopping block:

Message 10 of 10
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