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...
. 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.
