My Final Lineup?? Rebuild Results (2015 to Now)

[credit_is_crack]

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@wasCB14 wrote:

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@credit_is_crack wrote:
@wasCB14, right now nothing really lol both are a step up from where it’s at now for me lol I know I can have 2 DC cards, but will they let me merge them?

The no AF is option 1, after that based on the amount of redundancy I have now, it would seem off to have 2 of the same card lol but I get what you mean

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I take it BofA is mostly about the airfare extras credit? Lender diversification?

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I was opening my Biz checking at the branch and was pre-approved for this one when they reviewed my personal profile. It was strictly for the SUB lol My cash rewards card with them started as a $99/$500 card, but getting this one would pull me out of the old bucket. When I hit the yr mark I will PC the Prem Rewards to Cash Rewards and then close the old cash rewards card. 

[wasCB14]

For someone with a final lineup, you have a lot of things still changing.

[credit_is_crack]

LOL yup. Still got trimming to do, but nothing new to add.

[redpat]

OP, Congrats, but boy oh boy do I have a headache trying to figure that out even with the graphics.

[credit_is_crack]

Lol @redpat — it’s my jujitsu lol

[19eighty5]

Incredibly well organized. Thank you for sharing and congratulations on such a successful rebuild. When you started your rebuild process, which cards (whether current lineup or previously cancelled) did you use to get you to this point?

[credit_is_crack]

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@19eighty5 wrote:

Incredibly well organized. Thank you for sharing and congratulations on such a successful rebuild. When you started your rebuild process, which cards (whether current lineup or previously cancelled) did you use to get you to this point?

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sorry for the delayed reply..been busy busy busy!

When I first started I had no idea what I was doing. I simply applied for cards that 'looked' easy and went for it. 

I started with a secured USAA card in 2012 and never applied for anything until 2015 when I realized "it's time to start fixing this" -- credit was a mess. 

• JUN 2012 - USAA secured card
• @Anonymous 2015 - USAA Cash Rewards VS @ $5,000 (I'm certain the history of the secured card is what got this one at a nice SL)
• @Anonymous 2015 - USAA Rewards WMC @ $5,000 
• @Anonymous 2015 - PenFed Platinum Rewards VS @ $17,500 (this was just dumb luck. At the time I had no idea i had a split EQ profile, PenFed pulled the 'good half' lol later when I learned what a split profile was and they were fixed (merged) then they saw my full profile, but it didn't have any impact 
• @Anonymous 2015 - JCPenney @ $500 (later grew to $10k and closed it last year). This night was an app spree and got JCP @ $500, Old Navy @ $400 and American Eagle @ $300. I closed the Old Navy/AE card w/in 2 months

Sat on these for a few months and then I started getting better cards. 

OCT 2015 (still none the wiser on credit, but just applying 'hoping' for approvals)

• @discover @ $4,500 (now $8,500) -- I think I'm bucketed here and just can't escape it lol it is what it is
• @Anonymous BCE @ $5,000 (now $25,000)
• @Anonymous DC @ $1,700 (now $5,700)
• @Anonymous TYP @ $2,000 (closed within 6 months)
• @BofA @ $99/$500 secured offer (now unsecured and $10,000)
• @Anonymous Amazon @ $2,000 (now $15,500)

once I got all these I stumbled upon this site and started reading, strategizing, gardened, and then applied when I had researched approval odds, CRA's pulled, etc. The very early on was just dumb luck

[Anonymous]

Congrats, that is impressive, and a great line up.   I'm a yr into my rebuild and i hope to be able to have results like you have at yr 3.

[credit_is_crack]

Thanks Jago22! Some of the vets on here really know what their talking about. My biggest early mistake was just applying willy-nilly. Read up on things, check your odds and don’t trap yourself if low-limit-hell. You’ll get there, it really does just fly by!

[Anonymous]

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@credit_is_crack wrote:
Thanks Jago22! Some of the vets on here really know what their talking about. My biggest early mistake was just applying willy-nilly. Read up on things, check your odds and don’t trap yourself if low-limit-hell. You’ll get there, it really does just fly by!

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Yeah, i got to that line of apping and took a header forward.  Lesson learned the hard way. (many car HP's didnt help any)   I have learned so much here and i'm thankful to everyone along this journey.  Someday i'll have a post like this myself.  Just a short 2 years away