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Continuing my rebuild efforts... today all three bureaus showed both of my new cards reporting (CreditOne $2k SL and Ollo $1300 SL) with modest increases to my FICO 8's (TU is still being a dog at 589 though *shakes fist*). Did my usual round of pre-qual checks and looked at CK's recommendations list since they served me so well with Ollo a couple weeks ago... saw that Indigo is now showing "pre-selected" 80% odds but I've already got one shark card in my wallet, don't need two. But both the LendUp Arrow Classic and Preferred cards showed "excellent" chances whereas last week they were merely "fair". The Classic had $59 AF and 29.9% APR, while the Preferred had $0 AF and 26.9% APR, but the card features appear to be the same between the two, otherwise. I considered whether the UW guidelines would be more strict under the Preferred card and if I should play it safe with the Classic, but I figured "nuts to that!" and apped for the Preferred card. Instant approval for a $1000 SL! Gladly accepted, although I'm slightly bummed that it's my lowest limit right now.
Judging from people's experiences here and elsewhere online, it looks like I can probably expect the CL to double in 6 months with good payment history, so I'll keep on that and report back. If that's the case, then this is essentially a stand-in for the Merrick Bank card that I had been wanting to get in with. The approval notice says 10-14 days to receive the card, sounds a little pokey to me!






























Congrats on your LendUp Arrow Visa approval! You are off to a great start with your credit rebuild! ![]()
Grats on your rebuild and approval
Congratulations on your approval! You're well on your way to a solid rebuild. Time to garden!










Just a follow-up: the day after I applied and was approved, LendUp sent me a message saying that they restricted my account after a secondary manual review turned up some "inconsistent data". They asked for photos of my DL, SS card, and a recent utility bill with my name and address for further review. To me that sounded like a typical identity verification, so after I called in to their customer support center to verify the request, I submitted those documents and waited for them to complete the review. By yesterday, there hadn't been any change to my status, so I wrote in to follow-up and inquire about the status... a couple hours later, I got an update that LendUp completed the review and unrestricted my account. That's a happy end to a week of uncertainty!
Still waiting to receive the card in the mail, though...






























Grats on your approval!! I wonder how much this card will grow? Is there a limit or anything saying the max credit line allowed?