Many App Approvals!!!!! :)

[tvandine]

Alright, some of you guys may find this a little weird, as do i! I am new to credit and have really low scores! These scores were as of last week when i pulled all of my scores and they were accurate with the same score i had on my electric bill!

Here is where it gets fun, i have a First Premier card, it reported to all three with a $269 balance of $400 credit limit, they reported in the middle of the month, i pay off all cards monthly. So, it reported that to my credit, and all of my scores magically BUMP, and they BUMPED HARD! Mind you that FP isn't the only card i have on the report. I have two capital ones, Fingerhut, and a US bank all reporting too.

Pervious:

EX: 524
TU:525

EP:518

New:

EX:678

TU:676

EP:660

Now, please tell me how these would jump in this way, with a negative ding on the report! Mind blown right?

New Cards: Mind you i have less than 4 months of credit!

•  Firestone- $900
• JC penny- $100
• Walmart- $150
• GAP- $200
• Bannana Republic-$400
• Dillards- $300
• Lord and Taylor- $300
• Chevron- $300
• TJX Rewards- $250
• Kemba Credit Union- $500
• Credit One- $300
• PREVIOUS CARDS:
• Capital one Quicksilver One- $500
• Capital One Journey's- $500
• US BANK College Student- $600
• Fingerhut- $400
• First Premier $400

You could imagine my excitment, especially the credit score jump, now i know it will lower because of the new accounts, but i don't need any further credit in the near future and will most likely freeze my reports to stop the temtation of applying!

Thanks!!!!!! BTW i learned it all from you guys and will continue too!!!! Read all new posts everynight before bed!

[coldnmn]

Congrats! Thanks for sharing.

[-Wade-]

---

@tvandine wrote:

Alright, some of you guys may find this a little weird, as do i! I am new to credit and have really low scores! These scores were as of last week when i pulled all of my scores and they were accurate with the same score i had on my electric bill!

Here is where it gets fun, i have a First Premier card, it reported to all three with a $269 balance of $400 credit limit, they reported in the middle of the month, i pay off all cards monthly. So, it reported that to my credit, and all of my scores magically BUMP, and they BUMPED HARD! Mind you that FP isn't the only card i have on the report. I have two capital ones, Fingerhut, and a US bank all reporting too.

Pervious:

EX: 524
TU:525

EP:518

New:

EX:678

TU:676

EP:660

Now, please tell me how these would jump in this way, with a negative ding on the report! Mind blown right?

New Cards: Mind you i have less than 4 months of credit!

• JC penny- $100
• Walmart- $150
• GAP- $200
• Bannana Republic-$400
• Dillards- $300
• Lord and Taylor- $300
• Chevron- $300
• TJX Rewards- $250
• Kemba Credit Union- $500
• Credit One- $300
• PREVIOUS CARDS:
• Capital one Quicksilver One- $500
• Capital One Journey's- $500
• US BANK College Student- $600
• Fingerhut- $400
• First Premier $400

You could imagine my excitment, especially the credit score jump, now i know it will lower because of the new accounts, but i don't need any further credit in the near future and will most likely freeze my reports to stop the temtation of applying!

Thanks!!!!!! BTW i learned it all from you guys and will continue too!!!! Read all new posts everynight before bed!

---

Congrats on your success Now you need to stop apping and garden

[Tony275]

Congrats!! Now come join us in the garden!!

[tonyjones]

Congrats! , but why so many store cards lol

[2NE1]

Congrats on the approvals... but how were you able to generate a score with only a 4 month credit history??

[taxi818]

He said he got dings. So history longer. Just his aa of a

[alvon123]

congrats!!!!

[Creditaddict]

why would you open a credit one... close it now before you pay the extreme fees... you don't need it!

[Creditaddict]

and I would close first premier now too.