just like i stated in the credit forums i reopened my acount and decided to apply at the same time and they offfered my $8k initial credit limit at 14.9 intrest rate so im excited and ready for the long gardening process ...
for furture refence here was my situation
630-640-639 fico scores
20 inquires 17 due to drop by january of 2015
4 sl and 1 cosign on auto lease to total to 23k
1 baddie less then 300
4 -120 date late pyments in 2008( disputeing they were in defferal at the time)
no previus credit card history (since my cap1 is still 14 days new)
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
FICO scores are your calling card to the business world. Build a negative reputation and those doors are hard to open, find that perfect balance of credit responsibility and those doors open when you desire them.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Gardening Until Further Notice
