Hi all,
I am new to the site (been flipping through the posts for about a week). I have already learned so much about credit and credit card that I have increased my score 50 points, Now this was done from pure luck and timing but from everything that i have already learned it enabled me to do this. I have been very ashamed of my credit in the past and still have low numbers (600 ish from all sites) but that is a big increase from 2010 when my cc crisis began. I had pretty much given up on credit cards and used cash for everything. Back in April of 14 I filled out a lot of the " see if you qualify" applications and none came back very pleasant. ( my score through free credit score at the time was 530) I did manage to come across the verve card and that got my foot in the door. I then realized I may have some luck in the future. Fasst Forward to this month. I got lucky with a collection that was removed and i believe getting ready to go to another company but i paid the $100.80 to the original creditor to prevent it from reappearing. Thats when i found this wonderfull place and began reading, a lot. I re gained the confidence that i once had and went on a spree figuring what do i have to lose. I started with credit one and instantly approved for $400, this got me feeling pretty good so i appled for the Capitol One venture one and instantly $500. I then went to discover as this was one card i have never had and thought what the hell i'll try it. Denied, I immediately called recon to be denied again. Oh well some day. And to end my year i went to the credit union where my wife and I have a pretty nice savings and applied for a joint card throught them. A few hours later $1000 approval. I know these are low but i feel I have began my credit file over and continue to monitor, garden, and pay off a few old debts that some day will allow me into the 800 club.
