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Amazing Rebuild! Thank you to everyone for the invaluable info!

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Amazing Rebuild! Thank you to everyone for the invaluable info!

Greetings To All,

 

I just want to thank everyone on this amazing forum for giving out the priceless information in order to help in rebuilding my credit. I began this journey a year ago and I have made amazing strides. The wealth of information that is provided on this site is invaluable. I started out with a Citi secured card ($900), followed by an approval two months later for unsecured Cap One Plat MC ($300). I obtained the Discover secured card ($500) and then applied and was approved for an unsecured Mission Lane subprime card ($750). I know, I know - I went on an app spree because of the success of approvals. 

 

I am by no means done with my rebuild. I still have student loans that are in deferment and I have about 7 collections that will be paid by the end of 2019. So once I accomplish that I will be able to really work on improving my scores even more. 

 

Here are some DP about my cards-

As of August 2019, I have had Citi secured and Discover secured card both graduate! My CapOne Plat was successfully increased to $500 with the credit steps programs! I was so ecstatic. Citi was unexpected but it graduated within the 12-month timeframe which is considered early. Discover graduated within the 7-month timeframe, exactly 3 days after my seventh statement cut. It was also increased from $500 to $1500! Yayyyy! I use PIF with all my cards, rarely ever a balance being reported. 

 

Starting scores - Sept 2018

TU - 580

EX - 594

EQ - 590

 

Current Scores - August 2019

TU - 639

EX - 648

EQ - 721

 

Thanks again to everyone and congratulations to everyone who have made poor decisions previously but are not learning from them and implementing better ones for the future! Here's to great success!!





8 REPLIES 8
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Community Leader
Mega Contributor

Re: Amazing Rebuild! Thank you to everyone for the invaluable info!

Great jobSmiley Happy Well doneSmiley Happy
Message 2 of 9
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Established Contributor

Re: Amazing Rebuild! Thank you to everyone for the invaluable info!

You’ve done a great job! It’s so nice to see things getting better and better isn’t it? Smiley Happy
Current Cards (in order they were approved with current limits):
Cap1 QS (plat.) $2750
Kohls $3K
Cap1 Savor $15K
PenFed Power Cash Rewards $2K
NFCU CashRewards $6K
NFCU MoreRewards $12.5K
Cap1 Venture $30K
PenFed Gold $2K
Ollo Rewards $3.2K
Sync Amazon $10K
NASA FCU Platinum Cash Rewards $3K
Disco It #2 $14.8K
DCU Visa $10K
NFCU Flagship Rewards $23K
Sync Care Credit $15K
PenFed Power Cash Rewards #2 $39K
WF Propel $4K
Comenity AKC $10.5K
Apple (GS) $6.5K
TD Cash Credit Card $6K
Rakuten Siggy Visa $6.5K
BBVA ClearPoints Visa $10K
Disco It #3 $8K

BK 7 discharged July 2016




Message 3 of 9
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Established Contributor

Re: Amazing Rebuild! Thank you to everyone for the invaluable info!

Congrats on your success so far!


Young profile, but no derogs. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. The only thing in my signature that was on my CRs then was the old closed Exxon card. I am a MyFICO monthly paying customer. One might think my perspective would be welcome here, but ...
Cards

Authorized user / Corporate / Auto loan

Card CLs total $80,100, not counting the AU card. In March 2019, card CLs totaled $0. In April 2019, card CLs reached $500. Since then, I received a lot of great advice on this board, as well as a lot of advice I didn't take, that is good for most situations, but not mine. Bronze spade on July 3.
Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 4 of 9
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Established Contributor

Re: Amazing Rebuild! Thank you to everyone for the invaluable info!

Good job buddy! Now keep up the hard work and you'll continue to succeed in all credit endeavors before you.



Message 5 of 9
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Contributor

Re: Amazing Rebuild! Thank you to everyone for the invaluable info!

Amazing job!!...congrats

Starting score 6/19 TR 567 Ex 589 EQ 540
7/19 TR 620 EX 595 EQ 577
8/19 TR 643 EQ 614 EX 612
Goal: 680 by 12/19
Message 6 of 9
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Contributor

Re: Amazing Rebuild! Thank you to everyone for the invaluable info!

@AverageJoesCredit

 

Thank you so much! I had so many helpful tips from your "average advice"! 





Message 7 of 9
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Contributor

Re: Amazing Rebuild! Thank you to everyone for the invaluable info!

@Hex

 

Oh my goodness, such a beautiful feeling when things work out in your favor and improvements are being seen! 





Message 8 of 9
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Contributor

Re: Amazing Rebuild! Thank you to everyone for the invaluable info!

@goodcreditforus

@KJinNC

@513credit

 

Thank you so much for the well wishes!





Message 9 of 9
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