@Anonymous wrote:
@Brian_Earl_Spilner wrote:Ok, think I have my plan. Will work on goodwills for lates and pay off my 0% balance and cards down to AZEO by end of year. I'm going to combine the QS1 into my QS if I can't get an upgrade by January. Will keep the Target and PlayStation card as I shop at Target every other day and the PS card will limit my gaming spending. Buy some converse with the Kohls and let it sit in the sockdrawer until I need new shoes or it dies. Hopefully, the discover graduates soon. My timeline:
September: open U.S. Bank account to start relationship
October: app for NFCU Amex as I'll be 181/6
April: app for Uber, Savor One if declined.
May: if declined for Uber, hopefully be able to app for an Amex, otherwise, wait until October.
July or October depending on if I get an Uber: app for NFCU platinum
4th quarter of 2019: app for cash+
Sometime at the end: BofA Notre Dame Americard and Barclay NFL
Let me know if I should shuffle these around. Looking to be efficient as I want to be done with rebuilding and apping.
Thanks.
I know you probably don't want to hear this but I'm gonna say it anyway. I would combine QS1 into QS then PC to Savor One, then I would garden with what you already have until all scores reaches mid 700s (however long it takes) while working on having lates removed. Your borderline PayPal approval with toy limit of $700 is a good indication that your profile is not ready and further apps would probably at best result in more of the same if not flat out denials. Remember, credit building/rebuilding is like 24 hours of Le Mans, not a 1/4 mile drag.
Good call on PC to Savor1 as I don't need a 1.5% anymore.
You can take the kid gloves off, I can take a kick in the nuts. I'm married.
I'm not fooling myself, I know I'm being extremely, overly ambitious based on my profile. I should be waiting until at least May of next year to start apping for anything. You gotta understand though, I've been in rebuild mode for a couple of years now due to my score being below 500 when I started. Hell, it didn't even break 500 until a year ago. It's frustrating to be putting along while paying off what was charged off for years and still not be where I want to be. All the while, people are filing bankruptcy and can pass me by in as little as 3 months after discharge. Should I have filed bankruptcy? Maybe, but I swore I wouldn't follow in my family's footsteps. I take pride in digging my way out of the hole, and it's a humbling experience. I'm starting to see the light at the end of the tunnel and want to sprint to the end. I know it's not realistic, but I just want to be done.
I appreciate the advice and when I say I want to be efficient, that includes slowing down and spacing things out as needed for better outcomes, so advice is always welcomed. But, I won't see mid-700s for years, and to be frank, I'd like to get the ball rolling before then. I'm not opposed to delaying and stretching things out, just not another 2 years worth.
@Brian_Earl_Spilner wrote:
@Anonymous wrote:
@Brian_Earl_Spilner wrote:Ok, think I have my plan. Will work on goodwills for lates and pay off my 0% balance and cards down to AZEO by end of year. I'm going to combine the QS1 into my QS if I can't get an upgrade by January. Will keep the Target and PlayStation card as I shop at Target every other day and the PS card will limit my gaming spending. Buy some converse with the Kohls and let it sit in the sockdrawer until I need new shoes or it dies. Hopefully, the discover graduates soon. My timeline:
September: open U.S. Bank account to start relationship
October: app for NFCU Amex as I'll be 181/6
April: app for Uber, Savor One if declined.
May: if declined for Uber, hopefully be able to app for an Amex, otherwise, wait until October.
July or October depending on if I get an Uber: app for NFCU platinum
4th quarter of 2019: app for cash+
Sometime at the end: BofA Notre Dame Americard and Barclay NFL
Let me know if I should shuffle these around. Looking to be efficient as I want to be done with rebuilding and apping.
Thanks.
I know you probably don't want to hear this but I'm gonna say it anyway. I would combine QS1 into QS then PC to Savor One, then I would garden with what you already have until all scores reaches mid 700s (however long it takes) while working on having lates removed. Your borderline PayPal approval with toy limit of $700 is a good indication that your profile is not ready and further apps would probably at best result in more of the same if not flat out denials. Remember, credit building/rebuilding is like 24 hours of Le Mans, not a 1/4 mile drag.
Good call on PC to Savor1 as I don't need a 1.5% anymore.
You can take the kid gloves off, I can take a kick in the nuts. I'm married.
I'm not fooling myself, I know I'm being extremely, overly ambitious based on my profile. I should be waiting until at least May of next year to start apping for anything. You gotta understand though, I've been in rebuild mode for a couple of years now due to my score being below 500 when I started. Hell, it didn't even break 500 until a year ago. It's frustrating to be putting along while paying off what was charged off for years and still not be where I want to be. All the while, people are filing bankruptcy and can pass me by in as little as 3 months after discharge. Should I have filed bankruptcy? Maybe, but I swore I wouldn't follow in my family's footsteps. I take pride in digging my way out of the hole, and it's a humbling experience. I'm starting to see the light at the end of the tunnel and want to sprint to the end. I know it's not realistic, but I just want to be done.
I appreciate the advice and when I say I want to be efficient, that includes slowing down and spacing things out as needed for better outcomes, so advice is always welcomed. But, I won't see mid-700s for years, and to be frank, I'd like to get the ball rolling before then. I'm not opposed to delaying and stretching things out, just not another 2 years worth.
I know exactly how you feel. Been working on my credit for 2.75 years now. Started in the low 500 in 2016. Scores finally went above 600 6 months ago. Started seeing the light at the end of the tunnel and couldn't wait any longer. 5 CC approvals and an OLOC account since June. Now I need to garden for a while. Another 13 months until my file is clean on all 3 bureaus.
You should get a nice SL on your NFCU Amex next month. 
@Anonymous wrote:
@Brian_Earl_Spilner wrote:
@Anonymous wrote:
@Brian_Earl_Spilner wrote:Ok, think I have my plan. Will work on goodwills for lates and pay off my 0% balance and cards down to AZEO by end of year. I'm going to combine the QS1 into my QS if I can't get an upgrade by January. Will keep the Target and PlayStation card as I shop at Target every other day and the PS card will limit my gaming spending. Buy some converse with the Kohls and let it sit in the sockdrawer until I need new shoes or it dies. Hopefully, the discover graduates soon. My timeline:
September: open U.S. Bank account to start relationship
October: app for NFCU Amex as I'll be 181/6
April: app for Uber, Savor One if declined.
May: if declined for Uber, hopefully be able to app for an Amex, otherwise, wait until October.
July or October depending on if I get an Uber: app for NFCU platinum
4th quarter of 2019: app for cash+
Sometime at the end: BofA Notre Dame Americard and Barclay NFL
Let me know if I should shuffle these around. Looking to be efficient as I want to be done with rebuilding and apping.
Thanks.
I know you probably don't want to hear this but I'm gonna say it anyway. I would combine QS1 into QS then PC to Savor One, then I would garden with what you already have until all scores reaches mid 700s (however long it takes) while working on having lates removed. Your borderline PayPal approval with toy limit of $700 is a good indication that your profile is not ready and further apps would probably at best result in more of the same if not flat out denials. Remember, credit building/rebuilding is like 24 hours of Le Mans, not a 1/4 mile drag.
Good call on PC to Savor1 as I don't need a 1.5% anymore.
You can take the kid gloves off, I can take a kick in the nuts. I'm married.
I'm not fooling myself, I know I'm being extremely, overly ambitious based on my profile. I should be waiting until at least May of next year to start apping for anything. You gotta understand though, I've been in rebuild mode for a couple of years now due to my score being below 500 when I started. Hell, it didn't even break 500 until a year ago. It's frustrating to be putting along while paying off what was charged off for years and still not be where I want to be. All the while, people are filing bankruptcy and can pass me by in as little as 3 months after discharge. Should I have filed bankruptcy? Maybe, but I swore I wouldn't follow in my family's footsteps. I take pride in digging my way out of the hole, and it's a humbling experience. I'm starting to see the light at the end of the tunnel and want to sprint to the end. I know it's not realistic, but I just want to be done.
I appreciate the advice and when I say I want to be efficient, that includes slowing down and spacing things out as needed for better outcomes, so advice is always welcomed. But, I won't see mid-700s for years, and to be frank, I'd like to get the ball rolling before then. I'm not opposed to delaying and stretching things out, just not another 2 years worth.
I know exactly how you feel. Been working on my credit for 2.75 years now. Started in the low 500 in 2016. Scores finally went above 600 6 months ago. Started seeing the light at the end of the tunnel and couldn't wait any longer. 5 CC approvals and an OLOC account since June. Now I need to garden for a while. Another 13 months until my file is clean on all 3 bureaus.
You should get a nice SL on your NFCU Amex next month.
Congrats. Youre so close. I think the worst part for me is what's holding me back isn't even that major. I still have 3 collections I'm working on. One will be settled in the next few days, a 2nd one for $700, and a 3rd for $3k. And, depending on the bureau, 7-16 late payments in the last 7 years. None in the last 2, but that means the last one won't fall off until 2023. Ironic that I'm tired of waiting, but I'm coming up to the point where time is the only thing that will help me.
Once those 3 collections are paid off, your FICO 9 should get a nice bump. Great for NFCU and PenFed that uses FICO 9.