As some of you may know, I spend the majority of my time posting on other boards, Rebuilding, General, Understanding Scores, etc. But I do come here often to read threads and help keep the board running. I've learned much by reading the posts here, and have actually started getting more active in the CC threads. The reason I wasn't on here much before? I had no CCs! Yup.... that's right... I had none, zero, zilch.
As of August 3012 I had $0 in revolving credit. I had improved my CRs by quite a bit, but had been afraid to apply for anything. I figured it was then time to change things. So in Sept. of 12 I decided to try and get some revolving credit. I almost didn't post this, because I didn't want to come off as being braggadocio, but the credit goes to the great "gurus" of the boards, so I wanted to give you a big thanks. Here's my journey.
Sept. 2012 Applied for Walmart: $650 now at $3500
Applied for AMEX Zync, denied
Oct. 2012 Applied for Lowes: $550 now at $1700
Dec. 2012 Applied for Barclay NFL: $2500 now at $4700
Feb. 2013 Applied for DiscoverIT: $5500
July 2013 Applied for Chase Freedom: $6000
Applied for Citi TYP: $10000
Applied for AMEX BCE $16000
So in less than a year I've gone from $0 to $47,400 in revolving credit.
Big thanks to:
09 Lexie
myjourney
enharu
creditaddict
HiLine
Youngandcreditworthy
daybreakgonesXe
Open123
SnackTrader
LS2982
CS800
And countless others on the CC forums.
You will now find me a resident in the garden hanging with my friends, and I've enjoyed the last two Friday Night Socials.
With deepest thanks,
Shogun
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.
I'm not one of the gurus you've listed but you're welcome anyway. 
Anywho, congrats on that awesome credit line! I wish I had a $50k CL. 
wow your Fico are at 800's
I probably own't see day light of seeing my reach that high
i think i can eventually get all my fico's over 700
is 800 reachable with 5 or 6 Credit cards?? 4 c.c's been open this month
1 cc was open from 07 my other oldest cards are now closed from 02 to 2013
I would imagine.. I had 2 mortgages and several car loans that got my AAoA up there a bit. Oldest account 22 years. I know my scores are going to tank a bit from the new accounts, but time will heal that and my scores will grow again.
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.
@Shogun wrote:As some of you may know, I spend the majority of my time posting on other boards, Rebuilding, General, Understanding Scores, etc. But I do come here often to read threads and help keep the board running. I've learned much by reading the posts here, and have actually started getting more active in the CC threads. The reason I wasn't on here much before? I had no CCs! Yup.... that's right... I had none, zero, zilch.
As of August 3012 I had $0 in revolving credit. I had improved my CRs by quite a bit, but had been afraid to apply for anything. I figured it was then time to change things. So in Sept. of 12 I decided to try and get some revolving credit. I almost didn't post this, because I didn't want to come off as being braggadocio, but the credit goes to the great "gurus" of the boards, so I wanted to give you a big thanks. Here's my journey.
Sept. 2012 Applied for Walmart: $650 now at $3500
Applied for AMEX Zync, denied
Oct. 2012 Applied for Lowes: $550 now at $1700
Dec. 2012 Applied for Barclay NFL: $2500 now at $4700
Feb. 2013 Applied for DiscoverIT: $5500
July 2013 Applied for Chase Freedom: $6000
Applied for Citi TYP: $10000
Applied for AMEX BCE $16000
So in less than a year I've gone from $0 to $47,400 in revolving credit.
Big thanks to:
09 Lexie
myjourney
enharu
creditaddict
HiLine
Youngandcreditworthy
daybreakgonesXe
Open123
SnackTrader
LS2982
CS800
And countless others on the CC forums.
You will now find me a resident in the garden hanging with my friends, and I've enjoyed the last two Friday Night Socials.
With deepest thanks,
Shogun
Whoa, my time machine works! Just kidding Shogun! lol
Congrats!!
Congrats Shogun
You have done a remarkable job see you in the garden
So glad to hear about your success, and I appreciate the inclusion on the list.
Your 800+ scores speak for themselves, you are ready to be rewarded for your responsibility!
Your 800+ scores speak for themselves, you are ready to be rewarded for your responsibility!
You've done extremely well! All the credit is yours.
