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App Spree Success!!!

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NinComPoop
Contributor

App Spree Success!!!

Hello all,

 

It's been awhile since I've posted on this board, so here's a little back story... I was reestablishing credit and had no ideas about good cards to apply for like credit unions until I had already applied and came to this board. My prior cards were First Premier, Continental Finance, and HSBC... - I made a TON of mistakes when I was just getting out of high school including C/O's with MBNA, Providian, and Direct Merchants Bank.

 

These major issues finally were removed from my CR in December 2009 after 7 years , so I applied joined NFCU and got $5000 Visa and applied for Nationwide Bank and received a $2500 Visa along with a CU in MD (SECU) Visa $1000. I immediately closed First Premier, Continental Finance, and HSBC.

 

The new cards were my first non-rebuilder cards that I'd have in around 3 years so I was pretty excited! Since then I gardened for awhile with a clean file PIF most of the time unless I took advantage of a NFCU 0% BT offer. The only blemishes on my report now were from my rebuilder cards 30 day lates from HSBC and First Premier during the rebuilding stage... I KNOW...Smiley Mad. I also had a previous judgment that was NEVER on my CR, appear because I was received a settlement offer for a discounted the amount after receiving notice from CA. Debt verified, Court verified.. The appearance of the judgment was a nuisance, but fell off last month.

 

So anyways fast forward to this month I app'd and was approved for Alliant Visa $5000, Discover More $4000, Chase Amazon Visa $1000, and Amex Blue Sky $2000!

 

EX Fico - 749 provided by Amex

EQ Fico - 728 provided by Discover

 

I think I'm good with all the cards I need. and will just continue to garden again. NFCU has increased to $9000, Can't get Nationwide to budge though.

Message 1 of 6
5 REPLIES 5
bodybuilder510
Regular Contributor

Re: App Spree Success!!!

CONGRATS!
Message 2 of 6
NinComPoop
Contributor

Re: App Spree Success!!!

Thanks! It feels really good to have those bad experiences in my rear view. Learning the hard way sucks! But has it's value, because I'll never go back.

Message 3 of 6
bodybuilder510
Regular Contributor

Re: App Spree Success!!!

I know what your saying. I know so much about credit and how negative factors can hurt you for several years! I called my local library today just to make sure I didn't have any book fees. I actually had a 5 dollar balance. I drove by and paid it off... Just never know when a 5 dollar balance can turn into a collection in the near future.
Message 4 of 6
CruzImperial
Established Contributor

Re: App Spree Success!!!

Congrats!! Glad to see the improvement!

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 5 of 6
Anonymous
Not applicable

Re: App Spree Success!!!

Nice Prime Spree there. Congrats.

Message 6 of 6
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