YAY!
After receiving my EQ alert that my score was up to 720 last night, I figured I'd try for my last four remaining credit lines to complete my credit picture. Hearing all the great success stories of those who waited six months, I decided to apply.
I was instantly approved for the Amex BCE (1,000) Citi Simplicity (4,000) Sallies Mae (5,000) and BML (2,869)
I was most shocked by the Citi approval, which was my first app, and most feared due to my inquiries, and short credit profile. I am trilled to be in the Amex family (finally) and Barclay gave me my highest trade line yet, and also my lowest APR at 13.99%. BML with it's amazing cloaklike capabilities will allow me to carry a high balance for a large purchase I've been desiring for the last 2 years.
My credit profile, if it helps anyone:
Fico Scores - Ex (696) EQ (720) TU (712) Citi listed 700 on my app summary, and Amex listed 696. Barclays Fico (743) CK (679)
Lender pulls
Amex - Ex
Citi - Ex
BML - EQ
Barclay -TU
Not sure who also pulled EQ, will update. Also, I am in Michigan.
Utilization
Ex (10%)
EQ (9%)
TU (13%)
AAOA
Ex ( 1 year 1 month)
EQ (1 year 1 month)
TU (CK - 9 months) and Fico (11 months)
Inquiries
Ex (1) six months (17) twelve
EQ (0) six months and (15) twelve
TU (0) six months and (12) twelve
Pre-approval offers - Only a Citi invitation by mail, after I attempted to obtain pre-approval on their website. Barclay, and Amex both were unable to match my profile. Oh, and also there was an online pre-approval for Cap 1 Platinum, Quicksilver, and Chase Freedom. Chase is on my blacklist.
I'm definitely planning on closing my Apple, and transferring the limit to my Sallies. Maybe I'll try for a lower APR today on my NFL card before my new cards report. 
Freezing all my reports, and heading to the garden to collect my bag of seeds.
Cheers
Congrats! Thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Congrats!
Now work on that GARDEN!
Congrats x4!
Starting Score: 639 (Walmart TU)
@Bunnylocks wrote:YAY!
After receiving my EQ alert that my score was up to 720 last night, I figured I'd try for my last four remaining credit lines to complete my credit picture. Hearing all the great success stories of those who waited six months, I decided to apply.
I was instantly approved for the Amex BCE (1,000) Citi Simplicity (4,000) Sallies Mae (5,000) and BML (2,869)
I was most shocked by the Citi approval, which was my first app, and most feared due to my inquiries, and short credit profile. I am trilled to be in the Amex family (finally) and Barclay gave me my highest trade line yet, and also my lowest APR at 13.99%. BML with it's amazing cloaklike capabilities will allow me to carry a high balance for a large purchase I've been desiring for the last 2 years.
My credit profile, if it helps anyone:
Fico Scores - Ex (696) EQ (720) TU (712) Citi listed 700 on my app summary, and Amex listed 696. Barclays Fico (743) CK (679)
Lender pulls
Amex - Ex
Citi - Ex
BML - EQ
Barclay -TU
Not sure who also pulled EQ, will update. Also, I am in Michigan.
Utilization
Ex (10%)
EQ (9%)
TU (13%)
AAOA
Ex ( 1 year 1 month)
EQ (1 year 1 month)
TU (CK - 9 months) and Fico (11 months)
InquiriesEx (1) six months (17) twelve
EQ (0) six months and (15) twelve
TU (0) six months and (12) twelve
Pre-approval offers - Only a Citi invitation by mail, after I attempted to obtain pre-approval on their website. Barclay, and Amex both were unable to match my profile. Oh, and also there was an online pre-approval for Cap 1 Platinum, Quicksilver, and Chase Freedom. Chase is on my blacklist.
I'm definitely planning on closing my Apple, and transferring the limit to my Sallies. Maybe I'll try for a lower APR today on my NFL card before my new cards report.
Freezing all my reports, and heading to the garden to collect my bag of seeds.
Cheers
Congrats! Why is your utilization different on the CRAs?
$600 
$6500 
$30k 
16k 
12k VSiggy
@Vegas247 wrote:
@Bunnylocks wrote:YAY!
After receiving my EQ alert that my score was up to 720 last night, I figured I'd try for my last four remaining credit lines to complete my credit picture. Hearing all the great success stories of those who waited six months, I decided to apply.
I was instantly approved for the Amex BCE (1,000) Citi Simplicity (4,000) Sallies Mae (5,000) and BML (2,869)
I was most shocked by the Citi approval, which was my first app, and most feared due to my inquiries, and short credit profile. I am trilled to be in the Amex family (finally) and Barclay gave me my highest trade line yet, and also my lowest APR at 13.99%. BML with it's amazing cloaklike capabilities will allow me to carry a high balance for a large purchase I've been desiring for the last 2 years.
My credit profile, if it helps anyone:
Fico Scores - Ex (696) EQ (720) TU (712) Citi listed 700 on my app summary, and Amex listed 696. Barclays Fico (743) CK (679)
Lender pulls
Amex - Ex
Citi - Ex
BML - EQ
Barclay -TU
Not sure who also pulled EQ, will update. Also, I am in Michigan.
Utilization
Ex (10%)
EQ (9%)
TU (13%)
AAOA
Ex ( 1 year 1 month)
EQ (1 year 1 month)
TU (CK - 9 months) and Fico (11 months)
InquiriesEx (1) six months (17) twelve
EQ (0) six months and (15) twelve
TU (0) six months and (12) twelve
Pre-approval offers - Only a Citi invitation by mail, after I attempted to obtain pre-approval on their website. Barclay, and Amex both were unable to match my profile. Oh, and also there was an online pre-approval for Cap 1 Platinum, Quicksilver, and Chase Freedom. Chase is on my blacklist.
I'm definitely planning on closing my Apple, and transferring the limit to my Sallies. Maybe I'll try for a lower APR today on my NFL card before my new cards report.
Freezing all my reports, and heading to the garden to collect my bag of seeds.
Cheers
Congrats! Why is your utilization different on the CRAs?
Some balances hadn't reported yet. My Discover reported 0% last month, and this month EX reported $109.00 due to a pending charge that cleared early, while EQ hadn't updated yet, and TU havn't reported my new 0% balance on my Macy's down from $500.00.
@Bunnylocks wrote:YAY!
After receiving my EQ alert that my score was up to 720 last night, I figured I'd try for my last four remaining credit lines to complete my credit picture. Hearing all the great success stories of those who waited six months, I decided to apply.
I was instantly approved for the Amex BCE (1,000) Citi Simplicity (4,000) Sallies Mae (5,000) and BML (2,869)
I was most shocked by the Citi approval, which was my first app, and most feared due to my inquiries, and short credit profile. I am trilled to be in the Amex family (finally) and Barclay gave me my highest trade line yet, and also my lowest APR at 13.99%. BML with it's amazing cloaklike capabilities will allow me to carry a high balance for a large purchase I've been desiring for the last 2 years.
My credit profile, if it helps anyone:
Fico Scores - Ex (696) EQ (720) TU (712) Citi listed 700 on my app summary, and Amex listed 696. Barclays Fico (743) CK (679)
Lender pulls
Amex - Ex
Citi - Ex
BML - EQ
Barclay -TU
Not sure who also pulled EQ, will update. Also, I am in Michigan.
Utilization
Ex (10%)
EQ (9%)
TU (13%)
AAOA
Ex ( 1 year 1 month)
EQ (1 year 1 month)
TU (CK - 9 months) and Fico (11 months)
InquiriesEx (1) six months (17) twelve
EQ (0) six months and (15) twelve
TU (0) six months and (12) twelve
Pre-approval offers - Only a Citi invitation by mail, after I attempted to obtain pre-approval on their website. Barclay, and Amex both were unable to match my profile. Oh, and also there was an online pre-approval for Cap 1 Platinum, Quicksilver, and Chase Freedom. Chase is on my blacklist.
I'm definitely planning on closing my Apple, and transferring the limit to my Sallies. Maybe I'll try for a lower APR today on my NFL card before my new cards report.
Freezing all my reports, and heading to the garden to collect my bag of seeds.
Cheers
Congrats on your success 
Thanks everyone! I never expected to reach my credit goals as soon as I have, and I can't wait to see what the future holds once all my accounts have properly aged. I hope in a few years I'll be in a prime position for home owenership.
Congrats on the success!
