Rebuilding Progress - New Approvals :)

[lns1976]

I've been gardening the last 2+ years working to get a handle back on things after going through some rough times.  Decided it was time to get back to work on my credit and see if I could get any new cards. 

As I said, rough last 2 years and I only managed to maintain one card, my Capital One Quicksilver One that I've had for 4 years now with only 3 late payments. 

I lost a Capital One Platinum Secured (0 balance closed by Capital One) for the same 3 late payments, have a charge off CFNA account and charge off Verizon account on my reports still along with 4 collections on TU/EX.

I also had a bk from 2011 drop off my report along with some other collections during the last 2 years.  I had no inquiries on my reports when I started.

EX FICO was 618 at the start, ended at 611. 

History is for those that may be trying for cards while rebuilding.

Accepted a pre-aproved offer from Aspire for $350.

Applied and was approved for Credit One for $300.

Applied and Approved for Kohl's Card $300

I applied for a Phillips 66 Card and got the 7-10 day notice.

Applied for a Avant Card and got a "24 hour" notice and haven't heard yet.

Overall I'm happy.  I'm working on getting the collections paid off and payment arrangements on the rest so I can put them behind me.

Shooting for 700+ by the end of the year!

[OmarGB9]

Congrats on the approvals and progress.

[Elpadrino1]

Congratulations on your approvals!! Keep up the great work! 

[SUPERSQUID]

CONGRATS!!!!!

That Kohls card can grow. mine went from 300-1500 in 14 months. you can ask for a cli every 6 months. i made regular purchases with the card and usually carried a small balance. 

EDIT - If you dont get the gas card and you want one try apping for the valero gas card, i got the valero gas card early in my rebuild when my scores were low, i already closed it, ymmv

[CreditMagic7]

Congratulations on your approvals!! Best of luck going forward in the Rebuild.

[babygirl1256]

Welcome to myFICO family larrynstevens and congrats on your new approvals and your rebuild . . . many of us on this forum are rebuilders!!! I would suggest that before you pay the collections off, try to obtain a pay for deletion as TransUnion and Experian are very easy to work with and in my situation they were very understanding and even deleting some items as a courtesy. Try to stay away from Equifax, often they won't waiver and purge any items before time. Best wishes with your rebuild!!!

[CreditSavage]

You'll get there in no time! Congrats on the approval

[CreditAggie]

Congratulations on your approvals!

[coreyb80]

Congrats on the approval!  Blessings on the rebuild.

[gdale6]

Grats to your new approvals and good luck in the continued rebuild