Pre Garden App Spree w/mixed results 😏

credit_endurance · ‎06-28-2018

Thanks CC! Yeah Navy not much actual usage on both my GoRewards or Platinum just a BT early this year and paying it down. Also have the CLOC with them so perhaps thought that might be a factor in the denial ? And yes PenFed has tightened it up considerably although I have seen a few $40k approvals out there but that probably is because their exposure was already low to begin with. Did you get approved for the Chase Marriott?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Anonymous · ‎06-28-2018

This is definitely inspo..... i can't wait to give this same encouragement in 2 years. I am also starting from 500s

credit_endurance · ‎06-28-2018

Thanks GreyCredit for those kind words! Just stick with this community and you to will be right here along with me someday.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

SOGGIE · ‎06-28-2018

Congrats on your successes Bruised! 2020

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

credit_endurance · ‎06-28-2018

Thanks SOGGIE!

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

19eighty5 · ‎06-28-2018

Congrats on 3/6 and good luck gardening. Impressive results on your rebuild as well!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

credit_endurance · ‎06-29-2018

Thanks so much 19eighty5!

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Anonymous · ‎06-30-2018

WOW! WHat an inspiration. I'm just starting a major rebuild with low to mid 500s across the board. Any advice?!

credit_endurance · ‎07-01-2018

Thanks jenrae! I do remember being right where you are. I need to know a little information about your profile. Do you currently have any credit cards? What about baddies reporting? What are some of your future credit goals? Car purchase, home or just credit building?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Anonymous · ‎07-01-2018

Congrats!

Re: Pre Garden App Spree with mixed results 😏

Re: Pre Garden App Spree w/mixed results 😏

Re: Pre Garden App Spree w/mixed results 😏

Re: Pre Garden App Spree w/mixed results 😏

Re: Pre Garden App Spree w/mixed results 😏

Re: Pre Garden App Spree w/mixed results 😏

Re: Pre Garden App Spree w/mixed results 😏

Re: Pre Garden App Spree with mixed results 😏

Re: Pre Garden App Spree with mixed results 😏

Re: Pre Garden App Spree w/mixed results 😏