cancel
Showing results for 
Search instead for 
Did you mean: 

Mini app spree after rebuild

tag
rohan0784
Valued Member

Mini app spree after rebuild

I'll try to keep it short and to the point. I started a rebuild in march of this year and my fico scores were right at 482 for tu,ex, and eq. fast forward 9 months and with all the help on the forums i was able to get my fico scores up to 681 eq, 679tu, and 690 ex. Decided to go on my first mini app spree and applied for 

amex everyday- sl 1k

amex magnet- sl 1k

cap one auto loan - 33k

cap one venture one sl- 1k

discover it- denied 

amazon visa- denied

penfed- denied

 

data points as follows-  4 paid auto loans, 4 inq on all reports before applying with last inq  6 months ago. one unpaid colletion for 4k from 3 yrs ago, paid collection 4 yr old, last 30 day late 10 months ago, no 90 day lates or charge offs, cards before app spree cap 1 qs 500 limit, cap one qs1 500 limit, primor 2k limit. . Ill look to combine the cap 1 cards sometime in the future and although the limits are a little lower im glad to have my foot in the door with amex. No more apps for me for a while. Just looking to grow credit limits now. 




Starting Score: 03/2018 EQ 472 TU 467 EX 470
Current Score: 06/2019 EQ 703 TU 736 EX 731
Goal Score: 750 all around


Take the FICO Fitness Challenge
Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: Mini app spree after rebuild

Nice work on your yuour build and congratulations on your approvals....keep up the good work....Smiley Happy

Message 2 of 12
Anonymous
Not applicable

Re: Mini app spree after rebuild

Nice mini app spree.

Message 3 of 12
Anonymous
Not applicable

Re: Mini app spree after rebuild

Haha, you were on a roll, congrats on those approvals. 

 

When you going to pay that 4k collection, it would certainly help your score

Message 4 of 12
rohan0784
Valued Member

Re: Mini app spree after rebuild

Warculture Ive been trying to pfd for some time on that one. I’m currently waiting on a response from them now.



Starting Score: 03/2018 EQ 472 TU 467 EX 470
Current Score: 06/2019 EQ 703 TU 736 EX 731
Goal Score: 750 all around


Take the FICO Fitness Challenge
Message 5 of 12
Anonymous
Not applicable

Re: Mini app spree after rebuild


@rohan0784 wrote:
Warculture Ive been trying to pfd for some time on that one. I’m currently waiting on a response from them now.

Just remember, every month that thing goes unpaid, it dings your score. A paid collection is better than an unpaid one. I am a fighter myself when it comes to these things and a bit hardheaded about PFDs. Like you, i'll sweat it out, but the powers here would definitely recommend paying it ASAP. 

Message 6 of 12
Brooklyn2018
Valued Contributor

Re: Mini app spree after rebuild

Congrats on your app spree approvals!!👍

😊

Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700**MET MY GOAL** | Goal score: 800
Take the myFICO Fitness Challenge




>


I❤️NY
Message 7 of 12
Remedios
Credit Mentor

Re: Mini app spree after rebuild

Congrats on your approvals

Message 8 of 12
MrDFinance
Established Contributor

Re: Mini app spree after rebuild

Congrats on the approvals and new wheels Smiley Happy
Message 9 of 12
Anonymous
Not applicable

Re: Mini app spree after rebuild

Awesome! Congrats on your rebuild! Smiley Happy

Message 10 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.