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Rebuild 100% complete, $300k barrier broke!

Legendary Contributor

Rebuild 100% complete, $300k barrier broke!

Well what can i say? This approval might be my happiest of the last 7 years that ive been rebuilding my credit. Went bk back in 07 but didnt start rebuilding until maybe 8 /9 years after due to not knowing you could get credit after bk discharge. Duh!


So Sunday i decided to try again for a cc from my local bank of 20+ years Banco Popular. Ive been blacklisted hard since bk, harder than Amex, Citi etc, and they were the only FI i could not get back in with. Mind you, their cards arent  great but rhat wasnt the point. To get back in not only would complete my rebuild but maybe open up avenues for other help if i ever needed , ie loans etc ( i hope) ive wasted many a hp to get zilch lol. 


Filled in app, which went smoothly. Monday morning received a hp on TU and a phone call about 9 :30 am. I usually dont pick up #s i dont know but since i know i applied for credit could be them. Verified some personal info, i have a fraud alert, and somewhere in that convo, i heard approved.uhm what? APPROVEDSmiley Happy. Limit is $1700 but i dont care (  with my current debt im suprised not to get $200 haha) lol Mission accomplished😊


Card is on the way woo hoo , already in my home account. Comes with a 6 month 1.99 apr purchase promo and $50 SUB for $1k spend in 3 months. Earns 1.5 % cashback. Meh, but not the point haha!. Everyone knows i was short $76 to break $300k in credit and with this approval that pushes me to $301,624 in credit available.  When i got off the phone my coworker asked why i was so giddy, i just said Im BACK ....with a bank im not too fond of lol. Thanks everybody been quite the journey. Smiley Happy AJC 


Additional dps. 756 TU 15 hps 

107 REPLIES 107
Super Contributor

Re: Rebuild 100% complete, $300k barrier broke!

Congrats AJC

Message 2 of 108
Valued Contributor

Re: Rebuild 100% complete, $300k barrier broke!

I LOVE it when the good guys win!!!  Congrats bro!!

Message 3 of 108
Community Leader
Mega Contributor

Re: Rebuild 100% complete, $300k barrier broke!

Hey, congrats on getting yourself back in with them and reaching the $300K milestone. I remember you commenting before how you had been on the outs with them and it's always good to have local options.


I do have a card with them (Banco Popular de Puerto Rico, not the US based business unit operating as Popular Bank) and always found them pleasant to deal with on the phone.

FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 108
Community Leader
Super Contributor

Re: Rebuild 100% complete, $300k barrier broke!

Congratulations on your Banco Popular approval and $300K TCL!

Current Cards (in order of approval):

Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 108
Established Contributor

Re: Rebuild 100% complete, $300k barrier broke!


Message 6 of 108
Valued Contributor

Re: Rebuild 100% complete, $300k barrier broke!

Congrats! Accomplished two goals with one app? Broke $300k and got back in with your bank you've been trying to get in with?



Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 771, TU8 762, EX8 774 as of February 22
Goal Score: EQ8 780, TU8 780, EX8 780

Take the myFICO Fitness Challenge
AZE6 - 2% Utl - New Accts: 2/6, 4/12, 6/24
Message 7 of 108
Moderator Emeritus

Re: Rebuild 100% complete, $300k barrier broke!

Grats to accomplishing your rebuild goals Smiley Happy

Message 8 of 108
Frequent Contributor

Re: Rebuild 100% complete, $300k barrier broke!


Message 9 of 108
Valued Contributor

Re: Rebuild 100% complete, $300k barrier broke!


{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 10 of 108
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