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I have arrived!

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Shogun
Moderator Emeritus

I have arrived!

     Yes, after all the blood, sweat and tears.  All the joys and heartbreaks of working on my credit and finally crawling up from the bottom, it has arrive.  My Credit One pre-approval has arrived in my mailbox.   It was right under the ones from BOA and Commerce Bank.  

 

     I'm not mocking them, but when I was in the early part of rebuilding, I actually hoped I would see one.  Seems like I went backwards in my pre-approval letters.  Mine started with Barclay, Discover, AMEX, Chase, Citi, BofOmaha, etc.  and is ending with Cap1 and Credit One.  Just seems backwards.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 1 of 23
22 REPLIES 22
09Lexie
Moderator Emerita

Re: I have arrived!

I am sooo jealous! When can I finally arrive? All I get are FH and FP! Argh!
Message 2 of 23
Walt_K
Senior Contributor

Re: I have arrived!

It is strange when you get one of those offers after you've completed (or mostly completed) your rebuilding.  I think I got something not too long ago promising me a credit line up to $300 with all sorts of fees involved.  You have to wonder what they are looking at when deciding whom to send their offers to.   


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 3 of 23
asphaltcowboy
Valued Contributor

Re: I have arrived!

Congrats??  Glad you made it to the big time, WTG


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 4 of 23
pizza1
Community Leader
Super Contributor

Re: I have arrived!

Lmao!!! Credit one was the first in my mailbox, and first in the trash too!! Smiley Happy congrats in those preapprovals!! Lol!!!!Smiley Happy
Message 5 of 23
SunriseEarth
Moderator Emeritus

Re: I have arrived!


@Shogun wrote:

     Yes, after all the blood, sweat and tears.  All the joys and heartbreaks of working on my credit and finally crawling up from the bottom, it has arrive.  My Credit One pre-approval has arrived in my mailbox.   It was right under the ones from BOA and Commerce Bank.  

 

     I'm not mocking them, but when I was in the early part of rebuilding, I actually hoped I would see one.  Seems like I went backwards in my pre-approval letters.  Mine started with Barclay, Discover, AMEX, Chase, Citi, BofOmaha, etc.  and is ending with Cap1 and Credit One.  Just seems backwards.


LOL. Oh, I'm so happy for you.  I think everyone on this forum knows how much I LOVE my Credit One!   Hahah...



Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/06/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | Venmo VS $30000 | Cash+ VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 | Synchrony Premier $24,200 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Ralphs Rewards WEMC $20000 | Citi Custom Cash MC $19600 | Jared Gold Card $19000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Belk MC $10000 | Sephora VS $9400 | Wayfair MC $4500 | ~~
Message 6 of 23
tobey
Contributor

Re: I have arrived!

How does capital one let them get away with that logo? I went to their website and did a double take. 


Starting Score: 737
Current Score: 777
Goal Score: 850


Take the myFICO Fitness Challenge
Message 7 of 23
FocusedAndDetermined
Senior Contributor

Re: I have arrived!

Wow - you must be over the moon!  ROFLOL!

Message 8 of 23
Repo-ed
Senior Contributor

Re: I have arrived!

I can see this  - despite what is in my wallet, and my FICO scores across all CRA's, if I go to a "pre-approval" site, they tell me I can't qualify for anything better than a crapone.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 9 of 23
Anonymous
Not applicable

Re: I have arrived!


@Shogun wrote:

     Yes, after all the blood, sweat and tears.  All the joys and heartbreaks of working on my credit and finally crawling up from the bottom, it has arrive.  My Credit One pre-approval has arrived in my mailbox.   It was right under the ones from BOA and Commerce Bank.  

 

     I'm not mocking them, but when I was in the early part of rebuilding, I actually hoped I would see one.  Seems like I went backwards in my pre-approval letters.  Mine started with Barclay, Discover, AMEX, Chase, Citi, BofOmaha, etc.  and is ending with Cap1 and Credit One.  Just seems backwards.


Shogun, I don't want to burst your bubble, but I have to remind you, this is just a preapproval, and is not a guarantee that you will get this coveted card. So don't start making space in the wallet quite yet.  We of course all hope you do get it!

Message 10 of 23
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