Finally Joined!! SUPER HELPFUL forum

[Anonymous]

Hey Just wanted to introduce myself to the forum, been lurking for about 2-3 months now, absorbing knowledge like a sponge and its been paying off as my future blog will say On the road to 800!!

Quick overview to get you guys a good idea on where I started.

590's to very low 600's as far as scores.

Auto Loan with NMAC that I have been paying on time just short of a year, keep in mind when I got this loan I was a 515 score, shouldnt have gotten approved, but a favor done. Aside from that all I had was 2 charge off's one with Capital One the other with HSBC, which were back from 2005-2006 roughly. Oh and a SPRINT collection from 2006.  

I started this adventure with credit cards fairly recently and score hasn't sky rocketed, but I have gotten quite a few credit cards, some are a given, some I don't know how I got.

Let me start from the 1st one.

Capital One Platinum <---7-14 day message, but I received a letter shortly after saying I got approved for a $300 limit and placed on the steps program which I have read many times about.  I was stoaked it was my first card in a long time and suprisingly from Cap One.  

That was my motivation to read more and try more, so I went with the obvious choice and got approved for an Orchard Card also $300 limit and an annual fee of $39 which I didn't mind much considering just 6 months ago they wanted a processing fee from me.

Here comes the really fun one, reading these forums I read a post somewhere that said if you have had an AMEX account before that was closed in good standing AMEX ZYNC card might be something to try with my low scores.  I thought to myself I did have a GOLD AMEX before in 2006 that I was an authorized user on, so I thought why not.  To my suprise I get approved!!!! with a hard limit of $500, but still approved.  Keep in mind my scores are roughly around 590-610.

I took advantage of that and signed up for their credit monitoring service $1 first month only 13-14 bux afterwards all 3 twice a month you could pull! 

Keep in mind that in between these approvals I have tried everyone else, it became like a game to try to get approved, many inquires at this point. More then 10...

I know it is a lot to read, but might be interesting for somebody that is in the similar position as myself score wise.  

45 days after I got the Cap One card, once again from the useful posts of members of this forum, I took a shot and applied for the Sony Cap One card, to my suprise to get an instant approval for $500, making it my first prime credit card while still having the scores of 607 627 607 (via AMEX) <---didnt make much sense as everyone says that card requires excellent credit, I would love to hear feedback from others about this.

While waiting for the sony card, I applied for Walmart card and got approved $150 <---dont need the card, but love their transunion score once a month feature.

EXXON MOBIL gas card was my last one which to my suprise i received today after getting the 7-10 notice online. $200 LIMIT

It's been an adventure and I would love to share my experience with back door numbers and different credit card companies when I can, so maybe someone like me could get some benefit out of it.  All this within literaly about 3 months roughly.

Feel free to ask for details, I am happy to share.

-Serge

[beb86]

I have NEVER heard of AMEX approving someone for a zync with a 607 EX Fico much less ANY card product....

[Anonymous]

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@beb86 wrote:

I have NEVER heard of AMEX approving someone for a zync with a 607 EX Fico much less ANY card product....

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I think it might have had something to do with me previously have an AMEX account on their files authorized user or not it reported on my credit. They gave me a hard limit of $500, but I read that eventually goes away if you keep in good standing. Oh and I was required to sign up for auto pay right away, it was either that or my limit would have been $200

[beb86]

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@Anonymous wrote:

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@beb86 wrote:

I have NEVER heard of AMEX approving someone for a zync with a 607 EX Fico much less ANY card product....

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I think it might have had something to do with me previously have an AMEX account on their files authorized user or not it reported on my credit. They gave me a hard limit of $500, but I read that eventually goes away if you keep in good standing. Oh and I was required to sign up for auto pay right away, it was either that or my limit would have been $200

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well congrats and treat that card well and the should lift the hard limit after awhile

[Anonymous]

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@beb86 wrote:

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@Anonymous wrote:

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@beb86 wrote:

I have NEVER heard of AMEX approving someone for a zync with a 607 EX Fico much less ANY card product....

---

I think it might have had something to do with me previously have an AMEX account on their files authorized user or not it reported on my credit. They gave me a hard limit of $500, but I read that eventually goes away if you keep in good standing. Oh and I was required to sign up for auto pay right away, it was either that or my limit would have been $200

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well congrats and treat that card well and the should lift the hard limit after awhile

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It is my most proud card next to the SONY now.  Now I just want to get my limits up.

[Anonymous]

Who underwrites Exxon/Mobil?

Well I hope you absorbed patience from what is talked about in the forums.  It is the key!  Trust me, I am 44 and did not care about or understand credit till I was probably 40.  By playing this game like chess I feel I have done alright.  I know I could have made better moves, but I am okay with my 20 cards and 40.2k overall limit.  You should have seen the look on the face of my boss when I told a guy I work with about my new cards and what my total credit is.  It was a MasterCard moment...  4 HPs on my credit 11 Fico pts, 4 new accounts- estimate 40 points, look on his face... PRICELESS (pointless?)

And I would have thought since you are the singer of System of a Down, you would have a better credit rating

[beb86]

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@Anonymous wrote:

Who underwrites Exxon/Mobil?

Well I hope you absorbed patience from what is talked about in the forums.  It is the key!  Trust me, I am 44 and did not care about or understand credit till I was probably 40.  By playing this game like chess I feel I have done alright.  I know I could have made better moves, but I am okay with my 20 cards and 40.2k overall limit.  You should have seen the look on the face of my boss when I told a guy I work with about my new cards and what my total credit is.  It was a MasterCard moment...  4 HPs on my credit 11 Fico pts, 4 new accounts- estimate 40 points, look on his face... PRICELESS (pointless?)

And I would have thought since you are the singer of System of a Down, you would have a better credit rating

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CITI

[Education44]

Serge - The information you posted is very encouraging especially to a rebuilder like myself. What you have achieved is amazing. Keep up the good work!