My BBVA Compass Bank Clearpoints Visa Approval!!!

[FAlvarez]

Hey everyone!  I'm new to this, but here's my story (and I'm sticking to it).  

My credit history has been a rocky road, but has stabilized dramatically since my divorce was finalized 3 years ago.  After my divorce, my credit score was sitting right around 520.  I was able to get a car loan at a very high interest rate, and after a year and a half of making on-time payments (and paying more than the minimum), I was able to re-finance at half the APR.  I have since been able to clean my credit of all but one $55 Collection (which I paid) from 4 years ago and I now have two Capital One Credit Cards (Platinum with $1,800 CL and Quick Silver with $2,500 CL), as well as a Walmart Discover with a $2,000 CL.  I also have a Gettington with a $1,400 CL.  My most recent cards are a Chevron/Texaco gas card with an $800 CL and my latest (and greatest) addition is a BBVA Compass ClearPoints credit card with a $10k CL!  Whoo Hoo!  I'm baaaaaaaack!  My credit score has jumped from 520 three years ago, to 705 when I last checked it a week ago!  My overall utilization across all my credit accounts is less than 10%.  :-)

I plan on buying a house in the next year and a half after my car is paid off.  In the meantime, I plan to continue building my credit without adding any other credit accounts, and I plan on keeping my utilization at, or below, 10%.  My goal is to reach 730+ before I apply for a mortgage.

OP,

I started a new thread and edited your title but changed nothing else.  Feel free to edit your title.

Lexie, myFICO Moderator

[baller4life]

Congrat!!! I want this card!!

[grinlikechelsea]

Congrats! That's an awesome approval!

Also, welcome to the forum!

[Darrell82]

WOW very nice approval .... Congrats on a nice road to a recovered credit... Great WORK 

[gdale6]

I commend you on getting your credit cleaned up and taken care of, congrats on your new card, enjoy

[efranklin23]

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@FAlvarez wrote:

Hey everyone!  I'm new to this, but here's my story (and I'm sticking to it).  

My credit history has been a rocky road, but has stabilized dramatically since my divorce was finalized 3 years ago.  After my divorce, my credit score was sitting right around 520.  I was able to get a car loan at a very high interest rate, and after a year and a half of making on-time payments (and paying more than the minimum), I was able to re-finance at half the APR.  I have since been able to clean my credit of all but one $55 Collection (which I paid) from 4 years ago and I now have two Capital One Credit Cards (Platinum with $1,800 CL and Quick Silver with $2,500 CL), as well as a Walmart Discover with a $2,000 CL.  I also have a Gettington with a $1,400 CL.  My most recent cards are a Chevron/Texaco gas card with an $800 CL and my latest (and greatest) addition is a BBVA Compass ClearPoints credit card with a $10k CL!  Whoo Hoo!  I'm baaaaaaaack!  My credit score has jumped from 520 three years ago, to 705 when I last checked it a week ago!  My overall utilization across all my credit accounts is less than 10%.  :-)

I plan on buying a house in the next year and a half after my car is paid off.  In the meantime, I plan to continue building my credit without adding any other credit accounts, and I plan on keeping my utilization at, or below, 10%.  My goal is to reach 730+ before I apply for a mortgage.

OP,

I started a new thread and edited your title but changed nothing else.  Feel free to edit your title.

Lexie, myFICO Moderator

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Congrats on the new card!!! 

[-Wade-]

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@FAlvarez wrote:

Hey everyone!  I'm new to this, but here's my story (and I'm sticking to it).  

My credit history has been a rocky road, but has stabilized dramatically since my divorce was finalized 3 years ago.  After my divorce, my credit score was sitting right around 520.  I was able to get a car loan at a very high interest rate, and after a year and a half of making on-time payments (and paying more than the minimum), I was able to re-finance at half the APR.  I have since been able to clean my credit of all but one $55 Collection (which I paid) from 4 years ago and I now have two Capital One Credit Cards (Platinum with $1,800 CL and Quick Silver with $2,500 CL), as well as a Walmart Discover with a $2,000 CL.  I also have a Gettington with a $1,400 CL.  My most recent cards are a Chevron/Texaco gas card with an $800 CL and my latest (and greatest) addition is a BBVA Compass ClearPoints credit card with a $10k CL!  Whoo Hoo!  I'm baaaaaaaack!  My credit score has jumped from 520 three years ago, to 705 when I last checked it a week ago!  My overall utilization across all my credit accounts is less than 10%.  :-)

I plan on buying a house in the next year and a half after my car is paid off.  In the meantime, I plan to continue building my credit without adding any other credit accounts, and I plan on keeping my utilization at, or below, 10%.  My goal is to reach 730+ before I apply for a mortgage.

OP,

I started a new thread and edited your title but changed nothing else.  Feel free to edit your title.

Lexie, myFICO Moderator

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Congrats on your Approval

[alvon123]

Grerat job!!!

[coldnmn]

Congrats on your journey! Welcome to the forum and thanks for sharing.

[Waldo22]

congrats! Any idea which CR they pulled?