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MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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Established Contributor

MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

Hey guys

 

A little back story ,in November of 2011 I started my rebuilding from a BK7 in 2005.....In the past year + ,I have manged to get my scores into the low 700 and I do believe I am in primeville somewhat.

 

I have managed to secure some of my most sought after cards for me and I owe in great part to all the members advice and opinions on this forum..

 

In November I recieved  my coveted Amex Green,Discover IT, BCP and Delta Gold Skymiles.....I just reached the 61 day CLI date and was moved from 5000CL to 6500CL on my Delta Gold.   Happy Dance!!!!!

 

 

My history is this:

 

AAoA is around 5.4 yrs

Inquiry heavy from my November app spree...about 10 on EQ ,5 on EXP and 6 on TU

my cc are in Siggy

Overall Utility is  17% currently

 

I am trying to stay in garden till 2014 ,The only cards I want (NOT NEED) to round things out are..... Chase Sapphire Preffered or Chase Sapphire (I bank with chase) and or maybe the Citi Forward card for the cash back...

 

What do you think my chances are for late this year on these cards?

 

Thanks again

 

 

 

 


Message 1 of 10
9 REPLIES 9
Regular Contributor

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

Mucho congrats! You should be so proud of your dedication and achievements!

All 3 bureaus (per Amex CreditSecure FAKO) are still 748 (as of 12/19/13). Cards: Discover It, $12,100, Chase Freedom $3,300, Chase Amazon $1,500, Walmart store $11,000, AMEX Zync NPSL, Costco Amex $14,700. US. Bank Cash +, $5,000. AMEX SPG $6,000, PenFed Plat. Cash Rewards $17,500, PenFed P-LOC $10,000, Citi Forward $5,100, Chase Slate $5,000, Old Navy, $2,200.
Message 2 of 10
Moderator Emerita

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

Message 3 of 10
Established Contributor

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

Congrats! Chase seemed to be inquiry sensitive to me. I had a couple of failed recon attempts for the Freedom mid summer. They were concerned with my recent build up of credit. That being said they approved me for the CSP in September. I would probably still suggest waiting until the end of the year at the earliest to apply.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 4 of 10
Established Contributor

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year


@rtw wrote:

Congrats! Chase seemed to be inquiry sensitive to me. I had a couple of failed recon attempts for the Freedom mid summer. They were concerned with my recent build up of credit. That being said they approved me for the CSP in September. I would probably still suggest waiting until the end of the year at the earliest to apply.


yeah I wanted to wait till all new accounts age a bit.......any ideas on Citi??


Message 5 of 10
Moderator Emeritus

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

Congrats! You've done a great job rebuilding; keep up the good work!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 6 of 10
Regular Contributor

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

Good job on rebuilding your credit. Keep it up.
NFCU Flagship Sig (24.5k); NFCU CashRewards (24.5k); NFCU NavCheck (15k); Chase Sapphire Preferred (15k) ;Chase Marriott Rewards (14k);US Bank Flex Perks (9k); Barclays Rewards (8k); Chase Freedom (14k); BOA Travel Rewards Sig (20k); BOA Privileges with Cash Rewards Sig (9k); Discover IT (6.5k); Walmart Discover (3k); Wells Fargo Platinum (9.5k); Wells Fargo LOC (10k); Bloomingdales Amex (5k); Macy's Amex (5k); Paypal Extras Mastercard (6k); Bananna Republic Visa (5.5k); Lowes (6k); Sams Club Discover (5k)....In the garden since 8/15/13



Message 7 of 10
Regular Contributor

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

This is awesome! Hi five Smiley Happy


Starting Score: 580
Current Score: 780
Goal Score: 800


Take the myFICO Fitness Challenge
Message 8 of 10
Established Contributor

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

 

 

Congratulations!!!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 9 of 10
Moderator Emeritus

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

Congrats!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 10 of 10
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