My Credit Spree came to a halt today….

[nyuphoto]

12/13/2019

Found myFICO. FICO 8: EQ592, TU578, EX543

First, I want to thank everyone on this forum. On January 2020 I closed on my first home, I had a 619 credit score and my lender needed me to get to 620. I got it to 656 because of what I learned here. 

Second, on April 2020, my defaulted student loans dropped of all my reports, my scores immediately jumped:

3.12.20

FICO 8: 615, 599, 616

4.12.20

FICO 8: 753, 633, 640

My credit journey started. App'd and approved for my first credit card in over 13 years. Navy Amex MR. 

11/2020, pre-qualified for another home. 10/1/2021, I closed on that home. App'd and approved for AOD Visa Signature, 10k @ 7.49. Approved for CLI on my now Navy Platinum, 9k to 17k. Approved for CLI on Verizon card, 5k to 10k. Approved for CLI on Apple Card, 4K to 10k. App'd SP approved for Amex BCP, 10k SL. I now have 99k in CL and wanted to break the 100k mark. 

Two days ago, I went for an AOD double dip, no additional hard pull so why not, app'd for 10k PLOC. Denied 🙅‍♂️.....

I’ll now enter the garden again until Amex 60 day 3x CLI. 

DP: EQ8 785, TU8 715, EX8 712

6/12: 3 from initial Mortgage app, 3 before closing. One paid ATT collection from 2017 on TU and EX. 

Thank you all again. There's hope for everyone if there was any for me. 

[Rebuild2019]

Congratulations 🎊🎈🎉 @nyupphoto on your success. Looks like you have gone a long way in a short amount of time. Hope you enjoy your home.

[KingRue8500]

Congrats on your approvals

[Total80sKid]

Congrats on your approvals 👍🏼

[cashorcharge]

That’s terrific!  Congratulations on all your approvals!! 👏🏼🎉🍾

[CreditAggie]

Congratulations on your approvals!

[BrotherArt]

Congrats on your journey and credit repair. A year ago I was worse position than you were when you began. Im mid-high 600s now. There's always a way to climb out of that hole. Happy you've been able to turn things around and look forward to seeing future posts. 100k is only the beginning. Go for 200k next 😎

[nyuphoto]

Thanks all!

[KingPredator]

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@nyuphoto wrote:

12/13/2019

Found myFICO. FICO 8: EQ592, TU578, EX543

First, I want to thank everyone on this forum. On January 2020 I closed on my first home, I had a 619 credit score and my lender needed me to get to 620. I got it to 656 because of what I learned here. 

Second, on April 2020, my defaulted student loans dropped of all my reports, my scores immediately jumped:

3.12.20

FICO 8: 615, 599, 616

4.12.20

FICO 8: 753, 633, 640

My credit journey started. App'd and approved for my first credit card in over 13 years. Navy Amex MR. 

11/2020, pre-qualified for another home. 10/1/2021, I closed on that home. App'd and approved for AOD Visa Signature, 10k @ 7.49. Approved for CLI on my now Navy Platinum, 9k to 17k. Approved for CLI on Verizon card, 5k to 10k. Approved for CLI on Apple Card, 4K to 10k. App'd SP approved for Amex BCP, 10k SL. I now have 99k in CL and wanted to break the 100k mark. 

Two days ago, I went for an AOD double dip, no additional hard pull so why not, app'd for 10k PLOC. Denied 🙅‍♂️.....

I’ll now enter the garden again until Amex 60 day 3x CLI. 

DP: EQ8 785, TU8 715, EX8 712

6/12: 3 from initial Mortgage app, 3 before closing. One paid ATT collection from 2017 on TU and EX. 

Thank you all again. There's hope for everyone if there was any for me. 

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Congrats on all the success. This forum has been a blessing to many of us. 

[Alephbet]

Good job on doing all the right things to improve your credit! Congratulations on those approvals and CLIs also!