Well, I got on the sight in the hopes of increasing my credit scores from the bottom of the 500 pit and I think I have done a little something. In the pursuit of credit card happiness I think I got "appi-itis ( Condition of continuing to apply for "instant approval" application on line in hope that you will receive the response of a lifetime= APPROVED).
In looking back and writing down my events since Sunday, I have applied for 12 different accounts - WOW! I was on a roll, Hooters, Discover, Chevron, Kay Jewlers, Crown Jewelers, Macy's, Nostrom, Zales(by mistake was on wrong cite), PFCU, Cap Auto finance, and Bill Pay. Wooo
I know I will take a hit for these and my scores will decrease to probably 500, but it was worth the trip. Out of the above I have been approved for 5 {hoping the others will follow suit}.
I really thought the magic button would continue to give me the answer I wanted to hear, but reality kicked in when I wrote the apps I applied for down.
I am currently in Application Rehab...I will not go onto ANY sites and apply for credit or any type of loan account that may require my ss#. My release date is 12/01/08. At that time, 9 delinquents on my account will be removed and hopeful the damage I have caused will balance out.
Reading all the threads gives hope and for a moment I was caught up. Like Cheddar, Haulings, Sylvia, Ilecs say that credit is a tool and should not be abused.
I am back to being focused and will only pull a credit report in July (some of the 9 drop off) and again in December when I am released.
Hopefully someone will read my thread and stop themselves from over applying...
Starting Score: 555/567/570- Aug 2017 (TU)646 (EQ) 626, (EX) 635-Goa 750l: UPDATE 2021 (TU) 623, (EQ) 584, (EXP) 598 Current VISA-MC-Amex Credit Cards |NFCU-CashReward-$2k|USSA Visa- $500lAmex USAA-secured Merrick-$1,900ll Amex Delta Sky Miles- $1k
, |Nordstrom-$2100|Neiman Marcus-$700|Credit One Bank $850/$500 / Capital One Journey $700/ Capital One Quicksilver One $1650/Target $600/KohlsStore $300/Personal Loans $14k
Garden Until 2/2022 removing all 18 collection baddies and decrease UTILto less than 5%