cancel
Showing results for 
Search instead for 
Did you mean: 

Sweet Victory Comenity CLI’s

tag
Talonwildstar
Frequent Contributor

Sweet Victory Comenity CLI’s

I’m very excited to say the least, through hard times and a bad marriage my credit was wrecked my score 14 months ago was and I’m not exaggerating I think I even took a picture of it was  -78.... I had been with PNC bank for 6 years I walked in talked to them and 2 weeks later was approved for my first credit card in over 20 years... PNC points rewards for a $1,000 limit.

 

today I have

 

Amazon Prime store card $200 1 yr old synchrony hates me no CLI

American Express Gold Charge Card

Kohls $800

Capital One QS1 $1,000

Citi Double Cash $1,000

PNC points          $1,000

Overstock.   $3600 start.  Now $6,600

Boscovs.      $4,000 Start Now $7,000

 

Personal Loan from PNC start $5,500 now down to $3,850

 

As of today 11/18/18 my credit scores are 

Exp: 650,  TU 658,   EQ 653

 

they went down 30-40 points the last 2 months because of Hard inquiries and new accounts I expect them to rebound rather quickly! 

My CreditUtilization as of today 11/18/18 is 1%

 

 

Good luck and well wishes to all you are trying to restart, you can do it!

 

AmEx BCE 20k | PNC visa 10k | Synchrony 2% MC 9.3k | LLBean Citi MC 6k | PNC points signature visa 15k | CapOne QS1 1.8.k | Citi DC. 7.750k | Discover it. 7k | Am Ex Gold | Kohl’s. $3k | Amazon Store. 10k | Overstock. 13.6k | Boscovs. 14k | Best Buy S.C. 2.8k | Home Depot 2k | Total CL 149,000 | PNC personal loan 7500 down to 6200 | Oldest credit 4yr 8 months , newest 1/2020 | *1% card utilization only 1 inquiry on Experian 0 on others



As of 05/03/22
Message 1 of 13
12 REPLIES 12
Anonymous
Not applicable

Re: Sweet Victory Comenity CLI’s

Great progress Tws -- Congratulations! 

And thank you for sharing some of your credit story.

Message 2 of 13
Talonwildstar
Frequent Contributor

Re: Sweet Victory Comenity CLI’s

Thank you very much, I appreciate you responding to my post.

AmEx BCE 20k | PNC visa 10k | Synchrony 2% MC 9.3k | LLBean Citi MC 6k | PNC points signature visa 15k | CapOne QS1 1.8.k | Citi DC. 7.750k | Discover it. 7k | Am Ex Gold | Kohl’s. $3k | Amazon Store. 10k | Overstock. 13.6k | Boscovs. 14k | Best Buy S.C. 2.8k | Home Depot 2k | Total CL 149,000 | PNC personal loan 7500 down to 6200 | Oldest credit 4yr 8 months , newest 1/2020 | *1% card utilization only 1 inquiry on Experian 0 on others



As of 05/03/22
Message 3 of 13
JoeLuvsHisCredit
Valued Contributor

Re: Sweet Victory Comenity CLI’s

Congrats Smiley Happy

sorry about the marriage. I really don't know why people can't be nice when the marriage etc doesn't work etc. I tell my friends etc when they are putting their marriage or someone DOWN who they claim to love at one time. I say you loved that person at one time so be nice don't be a azz etc lol my mouth gets me in trouble lol. I just wish people would treat everybody good, kind etc Smiley Happy

Message 4 of 13
Talonwildstar
Frequent Contributor

Re: Sweet Victory Comenity CLI’s

Thank you Smiley Happy for your kind words!
AmEx BCE 20k | PNC visa 10k | Synchrony 2% MC 9.3k | LLBean Citi MC 6k | PNC points signature visa 15k | CapOne QS1 1.8.k | Citi DC. 7.750k | Discover it. 7k | Am Ex Gold | Kohl’s. $3k | Amazon Store. 10k | Overstock. 13.6k | Boscovs. 14k | Best Buy S.C. 2.8k | Home Depot 2k | Total CL 149,000 | PNC personal loan 7500 down to 6200 | Oldest credit 4yr 8 months , newest 1/2020 | *1% card utilization only 1 inquiry on Experian 0 on others



As of 05/03/22
Message 5 of 13
AverageJoesCredit
Legendary Contributor

Re: Sweet Victory Comenity CLI’s

Great job overcoming adversitySmiley Happy. Joe, amen brother! If only 🤔
Message 6 of 13
stonedog23
Frequent Contributor

Re: Sweet Victory Comenity CLI’s


@JoeLuvsHisCredit wrote:

Congrats Smiley Happy

sorry about the marriage. I really don't know why people can't be nice when the marriage etc doesn't work etc. I tell my friends etc when they are putting their marriage or someone DOWN who they claim to love at one time. I say you loved that person at one time so be nice don't be a azz etc lol my mouth gets me in trouble lol. I just wish people would treat everybody good, kind etc Smiley Happy


Man, when things go sour and you fall out of love, all of that civility goes out of the window, regardless of how much you claimed to have loved them during the good times. It’s understandable and human nature. 

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($33,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($19,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , Citi Double Cash ($9600), Discover It Cash ($9000), Walmart MC ($8000), Bank of America Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500), US Bank Cash+ ($5,000), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 766, TU 763, EX 753, FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
Message 7 of 13
JoeLuvsHisCredit
Valued Contributor

Re: Sweet Victory Comenity CLI’s


@stonedog23 wrote:

@JoeLuvsHisCredit wrote:

Congrats Smiley Happy

sorry about the marriage. I really don't know why people can't be nice when the marriage etc doesn't work etc. I tell my friends etc when they are putting their marriage or someone DOWN who they claim to love at one time. I say you loved that person at one time so be nice don't be a azz etc lol my mouth gets me in trouble lol. I just wish people would treat everybody good, kind etc Smiley Happy


Man, when things go sour and you fall out of love, all of that civility goes out of the window, regardless of how much you claimed to have loved them during the good times. It’s understandable and human nature. 


yes it's human nature but i sill DON'T understand why people act that way

Message 8 of 13
19eighty5
Senior Contributor

Re: Sweet Victory Comenity CLI’s

Congratulations on your success!

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:


Message 9 of 13
Talonwildstar
Frequent Contributor

Re: Sweet Victory Comenity CLI’s

Thank you very much! Hope you Keep doing great also!
AmEx BCE 20k | PNC visa 10k | Synchrony 2% MC 9.3k | LLBean Citi MC 6k | PNC points signature visa 15k | CapOne QS1 1.8.k | Citi DC. 7.750k | Discover it. 7k | Am Ex Gold | Kohl’s. $3k | Amazon Store. 10k | Overstock. 13.6k | Boscovs. 14k | Best Buy S.C. 2.8k | Home Depot 2k | Total CL 149,000 | PNC personal loan 7500 down to 6200 | Oldest credit 4yr 8 months , newest 1/2020 | *1% card utilization only 1 inquiry on Experian 0 on others



As of 05/03/22
Message 10 of 13
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.