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My Jewelry Club Experience 13 Months Strong

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Established Member

Re: My Jewelry Club Experience 13 Months Strong

Update.... so now After doing a secured load w self lender.... a capital 1 credit card and my jewelry club cars I was approved for a $20,000k card from Navy Federal within exactly a year almost to the day. So happy. Whoot whoot. Soon as I can figure out how ro upload my cards I will.
Message 11 of 18
Frequent Contributor

Re: My Jewelry Club Experience 13 Months Strong

Thanks for the datapoints and congrats on the new credit line.

Current Scores: EX: 650 (+3)| TU: 666 (+35)| EQ: 653 (+45)
Next Goal: Min. 680 w/all CRAs
Gardening Until: 5/19/19| Last App: 8/2/18
Message 12 of 18
New Visitor

Re: My Jewelry Club Experience 13 Months Strong

Hi .. awesome to hear the good news about your experience on MJC account. I just signed up today and wondered how long does it take to get approved?
Message 13 of 18
Regular Contributor

Re: My Jewelry Club Experience 13 Months Strong

I had this and nearing the 3rd year (Jan 16') It helped me so much in my credit repair process. I started with ficos in the low 500s. It helped with overall utilization ( I only really charged 1 thing under $100 financed) so it showed low usage paired with a Cap 1 Platinum($900) and Discover IT($400) and most was PIF or 1%-9% balance reporting. Ficos are now over 700s. 

 

Since then I've been able to get close to 60,000 in revolving credit.

 







Message 14 of 18
Member

Re: My Jewelry Club Experience 13 Months Strong

I have applied for this last week and received my stuff today! I am so anxious to see how this affects my score! How long did it take to initially show on your account?! Approx how long after did u wait to apply for navy federal? Do any one know of any other credit lines similar to mjc concept?
Message 15 of 18
Established Member

Re: My Jewelry Club Experience 13 Months Strong

If you click my jewelry club you will see my review. I think it took roughly a month to post but there was a huge jump in my score. Navy fed took about a month in total to open and I applied for that card about 11 months after I got mjc. To be specific I got mjc.... applied for cap 1 unsecured card paid 10% for 3 months then asked for increase and paid for total 6 months ....then opened navy fed.... opened secured loan agter O got mjc with selflender and paid it for a year. All of this brought me from zero credit score with about $7-8k in debt to 740 score and approval
Of an awesome card. Hope this helps. Also I disputed things on my report also
Message 16 of 18
Established Member

Re: My Jewelry Club Experience 13 Months Strong

Sorry so late. Its instant
Message 17 of 18
Regular Contributor

Re: My Jewelry Club Experience 13 Months Strong

I’m in my early rebuilding stage and I just signed up for MJC. I hope it helps my rebuild as much as it did for everyone in this thread! (Congratulations on all the success with MJC by the way!). Now I’m just hoping for fast reporting ☺️.
REBUILD STARTED 10/27/18


SCORES 5/2/19


“Breathing new life into a dead credit file”
Message 18 of 18