I closed on our house yesterday and had been sitting on several pre approval letters/emails that I had received. There were also a few others in which I was interested. I had applied for no new credit since April and I was ready to step out of the garden and get a few things before the mortgage drags my scores down for a while.
First, I used a pre approval offer letter from Discover, a card in which I have been interested for a while, which was offering 0% interest for 12 months which will help with things for the house. Was approved for $3K. I live, and still will live, within five minutes of a Meijer and they have been blowing up my inbox with offers. They are the only grocery store in which I shop and their mperk rewards made this card very enticing. Approved for $750. I then tried the Home Depot pre approval site and was approved for $801. I called their credit department and asked for an increase to $10K and was instantly approved for that amount. Riding mower here I come. 
I have been wanting an Amazon Prime Store Card to utilize the 5% discount and was approved for $1K. Suprisingly, Amazon would not increase the limit when I called. Oh, well. Lastly, I have been looking at furnishings on Wayfair recently so I thought I would at least try the SCT. I hadnt tried it in many months but had never been successful in getting it to pop up. Tonight I was successful and they provided $750. When the card arrives I will hit the luv button for a little bit extra hopefully. So today I added $15,500 of credit to my portfolio. My existing credit line was $15,600 so I essentially doubled it and have over $31K in credit plus my Amex with NPSL.
I just want to close by saying that I want to thank all of the great people who contribute on this board and are willing to share their thoughts and experiences. Exactly a year ago today I had zero dollars in credit, my FICO scores were upper 500s/lower 600s, and I had a car loan with an interest rate of 22.92%. Last December I received a preapproval letter for Capital One. I wasnt sure what to make of it and did a Google search to see what I could learn about it. myFICO was the first site in the list and I read for hours and hours. The next day I applied for the Platinum card and got the standard $300 starting limit. Emboldened, I applied for the QS1 and got $300 for it too. I wore the QS1 out buying and then paying in full. I took all of the lessons available on myFICO and continued to grow my portfolio of credit cards. I then ventured over into the auto loan section, learned about DCU and re-financed my car for 2.49%. In late spring I was reading the mortgage loan section and discovered NACA. I worked my way through that program which was made easier based upon the good habits I had learned from reading myFICO. At the end of this first year journey, I closed yesterday on the house of my dreams with a 1.5% interest rate. I couldnt even rent a car a year ago and now I have been blessed with so much.
Thanks again to everyone out here. You have made a big impact on the life of me and my family.
Awesome progress and great story! Thanks for sharing.
