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Moving on up!

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Regular Contributor

Moving on up!

So after an awful situation in 2016 my credit fell apart. I’m talking about almost $50k in credit card debt, charge offs, collections. I’ve been working diligently since then to build up my savings, pay off my debt, and rebuild my credit.

My secured card with $500 deposit (navy federal) just graduated to an nRewards with a $2000 limit. So I decided to get a few more cards.

I was approved for an AMEX with a small $500 limit. It’s not much but now I’m in with them and very excited about it!

I also got approved for a Bank of America cash rewards card with a $1000 limit.

And approved for a capital one card with a $500 limit.

I was bummed about the cap1 limit because I already have a $500 limit card with them. But I will just grow them separately and then combine them. I did also call for an upgrade on my existing one and they upgraded it from platinum to Quicksilver!

I’m feeling great about my approvals and finally being able to have credit again. Now I can just sit back and watch these grow.
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 1 of 16
15 REPLIES 15
Valued Contributor

Re: Moving on up!

Congrats on your new approvals! You are moving in the right directions! Smiley Very Happy






Message 2 of 16
Valued Contributor

Re: Moving on up!

Congrats on the approvals and all the hard work! 

Message 3 of 16
Community Leader
Super Contributor

Re: Moving on up!

Congrats on your approvals and good luck with the rest of your credit journey!

Message 4 of 16
Contributor

Re: Moving on up!

Fantastic news, hard work pays off

Starting score 6/19 TR 567 Ex 589 EQ 540
7/19 TR 620 EX 595 EQ 577
8/19 TR 643 EQ 614 EX 612
Goal: 680 by 12/19
Message 5 of 16
Established Contributor

Re: Moving on up!

Great job! Keep it up! 👌
Amex PRG (NPSL), Amex Blue Cash ($8K), Amex Simply Cash+ ($4K), Discover ($20.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($67.6K), Paypal credit ($7.8K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 6 of 16
Established Contributor

Re: Moving on up!

Congrats on the success with the rebuild and on the new cards!  Not sure how long you had your secured NFCU card but if over 93 days you might want to consider app'ing for a second card in hopes of getting a larger CL.  My NFCU secured card which I had for several years still hasn't graduated so I just cold app'd for the Cash Rewards and got immediately approved with a $20,000 SL.  However, YMMV?






Message 7 of 16
Senior Contributor

Re: Moving on up!

Congrats on your Rebuild and Approval!

Message 8 of 16
Valued Contributor

Re: Moving on up!

YOU...

awesome congratulations GIF by Slanted Studios

From 1 Rebuilder to another Rebuilder, CONGRATS  on all of your Approvals and your  SOLID  Game Plan for Rebuilding!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 9 of 16
Valued Contributor

Re: Moving on up!

Congrats on all of that progress!  

Oct 2019


Garden goal: keep on keepin' on
Usually a faithful practitioner of AZE5or6or7; working on AZE1or2 and grumbling about it.
Message 10 of 16
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