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Major Garden LUV BUG Action!!!!!!

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Major Garden LUV BUG Action!!!!!!

Hey All, 

DW and I have been firmly in the garden for about 5-6 months. Planning on buying a house at the first of the year. We had to take care of a couple of negative things in our files. I had to get my student loans deffered and the late payments removed. Done! My score shot up over 90 pts!!!! She had to let her recently new cards age a little and send a good will letter to Target to get a late payment removed. Done! Her score rose about 50 pts and now has 100% payment hsitory again. 

 

With all that being said I decided that we should go for some SP CLI's to help drive down our UTI to help in the future. While I was paying bills I decided to just peek out from the garden and see if there was any CLI sunlight:

 

Started with Discover: 1K CLI from 12.5K to 13.5K.

IKEA - 7K to 8.5K; used only twice in 5-6 mths.

Discount Tire - 2K to 4K asked for 10K got denied.

Summit Racing - 1.4K to 3K asked for 6K approved for 4K.

Amazon Store Card - 1.4K to 5K asked for 7.5K, denied.

Kohls - denied for CLI due to non usage - havent used since opening - fair reason lol

Victoria Secret - 7 - 10 message.

Lowes Advantage - $300 to 10K! asked for 25K approved for 12K! - DW didnt understand why I origanally applied for this card lol. This is why! Just had to be patient and let it age a bit. Paid off big time! - FYI only spent $2 in 5 months on the card LOL.

 

In a matter of 30 mins we netted 20K+ in CLI's from just 6 of our cards! I love it when a credit stategy falls in to place. Gotta play the long game! Still have to try for the 3X on our 2 Hilton Cards.....Smiley Very Happy then its hi ho hi ho, back to the garden we go!

 

 

12 REPLIES 12
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Moderator

Re: Major Garden LUV BUG Action!!!!!!

Congrats on your increases! 

Got some pruning to do... No more new cards!
Message 2 of 13
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Super Contributor

Re: Major Garden LUV BUG Action!!!!!!

Congratulations on your CLIs!
Message 3 of 13
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Valued Contributor

Re: Major Garden LUV BUG Action!!!!!!

Nicely Done!!!👍x20k!


I❤️NY




Goal Score: 600(within a year)**MET MY GOAL**
Goal Score: 650(within a year)


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Message 4 of 13
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Frequent Contributor

Re: Major Garden LUV BUG Action!!!!!!

Congrats on all of your successes and good luck on the house purchase! Smiley Happy

Message 5 of 13
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Established Contributor

Re: Major Garden LUV BUG Action!!!!!!

That’s amazing!!! Congrats!




Message 6 of 13
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Super Contributor

Re: Major Garden LUV BUG Action!!!!!!

 

Grats on yer CLI'sSmiley Happy

 

Message 7 of 13
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Valued Contributor

Re: Major Garden LUV BUG Action!!!!!!

Congrats on your increases!!
Message 8 of 13
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Valued Contributor

Re: Major Garden LUV BUG Action!!!!!!

Congratulations!

That Lowe’s card will come in handy as a homeowner!



Message 9 of 13
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Super Contributor

Re: Major Garden LUV BUG Action!!!!!!

Nice CLI's. Congrats. Good luck on your home purchase!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 10 of 13
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