@Anonymous wrote:
Hi guys new to the forum .I've had a long not so good history with credit .I've built credit and ruined it 12 times probably over the last 30 years .I really going to try to do it right this time .got approved for a unsecured cap one platinum for 300 and a overstock secured card for 200 I don't have a fico that I can find but vantage 3.0 says 603.
Firstly CONGRATS on that cap 1 approval,
i finally got the same cap 1 plat back in may 300 sl. i had burned cap one for 4k-5k in dec 2019 and thought i would never get back in but then bang in may i was in.
Dont be afraid to speak up, i think the reason these boards do so well is so many experiences are expressed and mistakes revealed.
Remember, credit is a marathon not a sprint, patience pays off eventually, good luck
{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000
>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
