To make a long story short. Once upon a time stellar credit, high 700's Amex Gold Card, BOA Platinum etc ect. DW lost job, one income house for a year, got very behind about 7 years ago. 4 charge offs, some paid in full some not. Started watching my Experian score about a year ago, in the dumps for first six months. Got a car loan, last year, went a whole year with no baddies. Two weeks ago I get a note from Experian that my score changed, wow 650!, pulled all 3 690 on TU, 631 EF. Don't know what my FICO is yet. So applied for a Cabelas Club Visa, viola! Approved with $1500 CL. Tried Credit One, bango $1000 CL, Amazon, blammo $1400 CL. Walmart zing $1000 CL. Ok I think I'm on a roll. I have a C1 card with $1800 CL paid off in full for 90% of the time. Ask for a CL increase from one of the back door numbers, DENIED! (**bleep**?) Hummmm Amazon and Walmart are both GE so I start looking for other GE store cards, wow Dicks Sporting Goods. STOP! I saw to myself, let's not push your luck. I went 3 for 4 Any suggestions? Or should I count my blessings and continue to garden? (Dicks has a really sweet shotgun)
Hello and WELCOME to the FORUMS!!!
It is most definitely time for you to head to the garden to nurture your new cards. You are doing a superb job at getting your credit back on track, but at this point in time its gonna be a long-shot to get approved for more prime, worthwhile cards. CONGRATS on your Approvals!!
@obageegee wrote:To make a long story short. Once upon a time stellar credit, high 700's Amex Gold Card, BOA Platinum etc ect. DW lost job, one income house for a year, got very behind about 7 years ago. 4 charge offs, some paid in full some not. Started watching my Experian score about a year ago, in the dumps for first six months. Got a car loan, last year, went a whole year with no baddies. Two weeks ago I get a note from Experian that my score changed, wow 650!, pulled all 3 690 on TU, 631 EF. Don't know what my FICO is yet. So applied for a Cabelas Club Visa, viola! Approved with $1500 CL. Tried Credit One, bango $1000 CL, Amazon, blammo $1400 CL. Walmart zing $1000 CL. Ok I think I'm on a roll. I have a C1 card with $1800 CL paid off in full for 90% of the time. Ask for a CL increase from one of the back door numbers, DENIED! (**bleep**?) Hummmm Amazon and Walmart are both GE so I start looking for other GE store cards, wow Dicks Sporting Goods. STOP! I saw to myself, let's not push your luck. I went 3 for 4 Any suggestions? Or should I count my blessings and continue to garden? (Dicks has a really sweet shotgun)
@obageegee wrote:To make a long story short. Once upon a time stellar credit, high 700's Amex Gold Card, BOA Platinum etc ect. DW lost job, one income house for a year, got very behind about 7 years ago. 4 charge offs, some paid in full some not. Started watching my Experian score about a year ago, in the dumps for first six months. Got a car loan, last year, went a whole year with no baddies. Two weeks ago I get a note from Experian that my score changed, wow 650!, pulled all 3 690 on TU, 631 EF. Don't know what my FICO is yet. So applied for a Cabelas Club Visa, viola! Approved with $1500 CL. Tried Credit One, bango $1000 CL, Amazon, blammo $1400 CL. Walmart zing $1000 CL. Ok I think I'm on a roll. I have a C1 card with $1800 CL paid off in full for 90% of the time. Ask for a CL increase from one of the back door numbers, DENIED! (**bleep**?) Hummmm Amazon and Walmart are both GE so I start looking for other GE store cards, wow Dicks Sporting Goods. STOP! I saw to myself, let's not push your luck. I went 3 for 4 Any suggestions? Or should I count my blessings and continue to garden? (Dicks has a really sweet shotgun)
Welcome to the forums!!!
STOP!!!
Best advice I can give you. Let your credit cards grow. Your taking on too many INQ's and killing your AAoA.
Thanks everyone! I'm going to head to the garden and nurture my new seeds.
First steps, dump FP and then C1.