I need to share the most exciting credit journey with you.
In May I had only one open account on my CR - an $87 fingerhut acct and 2 closed acct's from 2006/2011
On May 16 I apped with NFCU:
-Membership EQ HP
-CashRewards. Approved 3k EQ HP
-Flagship Denied (EQ HP I cant recall but def not TU)
-CLOC 7,500 Denied TU HP
On day 91 (Aug 15th) I apped for:
CLI on CashRewards - Not denied or approved (had bureaus locked, they tried TU first, then EQ then EX too)
New Flagship - APPROVED $25,000 - EQ HP
On day 95:
CLOC - $12,000 - INSTANT APPROVAL (no HP yet for some reason, TU and EX frozen but no EQ pull yet)
Same night, called in to process CLI. They countered my $15,000 request with $9,000
With NFCU on day 91 through 95 of membership: 9k CLI on CashRew, new Flagship 25k SL and new CLOC 12k instant approval
*Truly thank you* to each one of you on this forum who participates in all of the discussions and helps other members.
Now, I can garden and watch my FICO's go sky high and enjoy financial stability with my wife and 1 year old.
If anyone is in need of data points please let me know By no means do I have a strong credit profile as of today:
AAoA - 3.7yrs EQ (1.9yrs TU)
AAoOA - 4 months
Lates - zero
Collections - EQ zero, TU 1 from 2016 (for deletion soon)
On May 1st 2018: $0 revolving credit limit, 1 open acct, not enough data to generate FICO score.
August 19 2018: $49,000 revolving limit ($1,000 USAA, $300 CapOne, NFCU $47,700)