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I just had to tell somebody.
On May 25 2017 my scores on CK were TU 563 and EQ 573. I don't know why but my EX F8 was 659. My util was 90% with 12 cards store/bank and highest card was $2500 CL total debt $16k. With those scores and util I couldn't finance a thing.
I got a letter in the mail from BEST EGG offering to refinance my CC debt. I checked it out and compared to Lending Tree and Avant (who both turned my down in the pre-approval). So, BEST EGG gave me $16k at 14% and I paid off all my CC's with a 5 year note and a lower payment than what I was paying on the combined cards. The money was in my bank next day.
Today 7 weeks later my scores are TU 717 EX 730 and waiting for CK to update EQ. I paid for the TU score on their website but not EQ.
So, today......after researching which cards to start with, I applied for Discover CashBack and it came back instantly with a CL of $7500. Going foward I plan to pay CC monthly, so having a cash back card is nice.
Wow.....just WOW!!
Any thoughts where I should apply next?
BTW.....although I was maxed out my Pay HIst is 100% with no derogs.
CONGRATS AND Wow
What forms did they ask for?
BEST EGG wanted ytd paycheck stubs and last year W2. I think that was all.
"BEST EGG wanted ytd paycheck stubs and last year W2. I think that was all."
well i think they got all they want , surprised they didn't ask for kitchen sink.
Since my goal was to add a few different cards I also added:
AMEX every day card SL $10k
Wells Fargo Platinum SL $5k
Not bad since my previous high card was a bank card at $2000 and a CU card at $2500
I applied Cap 1 Venture cause it saId I was pre-approved and I got the 7-10 day response.
Wells Fargo and Cap 1 both dinged HP on TU. Cap 1 and AMEX dinged HP on EX. Not sure of EQ but CK says 2 new Hard Inquiry.
My CS at TU v3 just dropped 30pts to 687 after last nights activity. Oh well, that's all for me.
Why is it called gardening and not farming? just curious
Congrats! I hope you asked for CLI's with all your current cards after you paid them off.