Just wanted to share my recent success with you guys. I started with a FICO score of about 630 back in June (No history besides a few student loans reporting) and now I've reached these scores: Exp: 688 Trans: 725 Equi: 695 (All FICO) and I am pretty happy to say the least!
As far as my app spree:
American Express Delta Skymiles: Declined :/ all 3 CRA's pulled (will try again after 6-12 months of gardening)
Discover Motiva: Approved with a $1500 CL (received an invitation for the More card but was counter-offered)
Paypal Rewards MC: Approved with a $1000 limit
Walmart Discover: Approved with a $1000 limit
Barclays Extra Rewards NFL : Approved with a $500 limit (will not be keeping this card.. regretfully I really will not need it/want it)
Thanks again for all the help received through searches on here..I'm EXTREMELY excited to grow with these cards. Now for the next year I'll be gardening so that I can app for an Amex revolver and Chase Sapphire :-)
Where are your credit union applications with low apr for purchases and cash advances. Think insurance!
I just got into a credit union a few weeks ago.. I'm going to build some positive banking history with them and then hopefully app next year
Congrats!! Better get to the garden now!!!!! Weird that you didn't get Amex.
I got approved for Discover Motiva, and then the same night, got approved for Amex BCE!! Score was 696 TU Fico.
Honestly that was a devastating denial for me! I was really looking forward to having that Amex . I'm guessing that an unpaid collection from a few years ago + my 9 inquiries may be the reason why. I'll get a PFD and garden for a few months and then try again.
In my experience; I got approved with amex on a NPSL charge card with collections that were paid. Good luck to you.
Thanks! I will try again next year. Looking for a charge card and maybe the BCE.