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Nice last two weeks

Bubba12885
New Contributor

Nice last two weeks

So like many, I threw my credit down the drain when I was younger. I foolishly waited 7 years for all of my charge offs to fall off of my report before I began thinking about credit again last august. I started with the $300 cap1 secured, took a credit one card, n got in with NFCU n got a gorewards for $500. In October I was pre-approved for Citi DC, and got it with a $700 limit.

I paid everything in full for 6 months (except Jan) , and then two weeks ago Navy gave me a CLI to 13k. Feeling excited I checked amex and I was preapproved for BCE and got it for $1000,with utilization showing almost 40%.

Today while my girlfriend was inside the chase branch getting the Saphire Reserve, I was thinking of a way to get into Chase even though Amex put me at 5/24. I foolishly decided to apply for the freedom while in the parking lot before my Amex hit my CR, even though I knew Chase would only see my small credit lines and likely deny me.

After I hit submit, I got an approval for $4500! Im stoked! I guess my rebuild is complete, and Im finally starting to see the fruits of the labor!
Message 1 of 8
7 REPLIES 7
Djgrolyos
Valued Contributor

Re: Nice last two weeks

Congrats! Happy for you. Those instant approvals are the best! Smiley Happy
FICO 09 TU= 787 (Aug) EQ= 774 (Aug) EX= 801 (Aug) Favorites: Citi DC, AMEX Gold and U.S. Bank Cash+
Message 2 of 8
Aduke1122
Senior Contributor

Re: Nice last two weeks

Nice job OP congrats on all the success
Message 3 of 8
Tigers09
Valued Contributor

Re: Nice last two weeks

Congrats on the Amex and Chase approvals. Keep up the good work rebuilding your credit
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 4 of 8
Cincybranr
Member

Re: Nice last two weeks

What a great feeling! That is awesome. Congrats on the Chase approval. Make sure you activate that 5% bonus category and start racking up some points at the Grocery store and Pharmacy during Q2 this year. You will need to activate your bonus category every quarter.


Message 5 of 8
kidink1911
Established Contributor

Re: Nice last two weeks

Congratulations on your recent credit conquests!!

AMEX Platinum- NPSL // AMEX Gold- NPSL // AMEX Delta Platinum- $5,000 // Discover IT Chrome- $1,000 // Capital One Venture- $3,550 // AMEX Blue Cash Preferred- $1,000 // Venmo Credit Card- $500 // Capital One Spark- $500 // NFCU nRewards- $250
Starting Transunion Score: 548
Current Transunion Score: 642
Goal Transunion Score: 775


Take the myFICO Fitness ChallengeStarting Experian Score: 588
Current Experian Score: 611
Goal Experian Score: 775


Take the myFICO Fitness ChallengeStarting Equifax Score: 554
Current Equifax Score: 624
Goal Equifax Score: 775


Take the myFICO Fitness Challenge
Message 6 of 8
NICKI183
Established Contributor

Re: Nice last two weeks

Nice job in scoring two great cards within a small window!

Starting Score: 555/567/570- Oct-2015: Aug 2017 (TU)646 (EQ) 626, (EX) 635-Goal:700; Current VISA-MC-Amex Credit Cards|NFCU-CashReward-$2k|USSA Visa- $500lAmex USAA-secured $550|Cap J-$700|CapOne Silver $1600lMerrick-$1,900lAnex-Cash (AU)-$2500l Amex Delta Sky Miles- $1k
Commeity Store Credit Cards:$45k, $1100|Amazon-$1,000|Nordstrom-$3000|Neiman Marcus-$700|
Garden Until 2/12018 removing last 1-baddy/decrease UTIL
Message 7 of 8
thummel
Established Contributor

Re: Nice last two weeks

Congrats on the freedom approval!
Message 8 of 8
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