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Sweet Victory Comenity CLI’s

Talonwildstar
Regular 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
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
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. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 1 of 13
12 REPLIES 12
James_A
Valued Contributor

Re: Sweet Victory Comenity CLI’s

Great progress Tws -- Congratulations! 

And thank you for sharing some of your credit story.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 2 of 13
Talonwildstar
Regular Contributor

Re: Sweet Victory Comenity CLI’s

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


AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
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. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
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
Regular Contributor

Re: Sweet Victory Comenity CLI’s

Thank you Smiley Happy for your kind words!

AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
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. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 5 of 13
AverageJoesCredit
Community Leader
Mega 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. 

PenFed Power Cash ($20,000), NFCU GoRewards Sig ($24,600), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700), NFCU CashRewards Sig($15,000), Comenity MC ($12,000), Walmart MC ($8000), Wells Fargo CashWise Sig($7000), Amex BCE($6000), Amex ED($6600), BBVA Clear Points ($3800), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), BB&T Spectrum Cash Rewards($4500), BB&T Bright Card($4500), CapOne Quicksilver($1500), US Bank Cash+ ($2500), US Bank Cash+ ($1,000), Overstock($13,350), Dell($3000), WF mortgage 195K Fico 8: EQ 707, TU 716, EX 723, AAoA-86 months, AoOA-23 years, Fico 9: EQ 734, TU 737, EX 713
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 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 9 of 13
Talonwildstar
Regular Contributor

Re: Sweet Victory Comenity CLI’s

Thank you very much! Hope you Keep doing great also!

AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
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. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 10 of 13
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