Since working on my credit in the summer of 2016, I've gotten my scores from high 400's into solid 700 territory. Started with a 200 dollar limit on a secured Disco, and went from there. As it stands now, I have a CSP for 10k (just got the CL double automatically), 4k on an Amex Blue, and 1,700 on a NFCU. I got all of those in December, along with a car loan. Never late, util at 14%. Called Disco and told them how much I thought of their It card, but now that I've grown in my credit, I really needed a larger CL to even justfy using it at all. Was told no. Then I went on a mini app spree. BofA was pre-qual, but I was declined. NFL Extra Points is 'pending', as is Wells Fargo Propel, which is the bank I bank at. The only positive is that CO approved me for a QS at 5k. But other than that, what gives? Anyone know reasons I would have been almost-universally rejected? Are those two 'pending' cards pretty much declines?
Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.
As of March 2018, Before The Fall:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500
TOTAL 2018 CREDIT LINE: $61,200
JUNE 2023 UPDATE
2020: COVID toppled me. All old accounts went into default. Business lost. Car repossessed.
2021: Cap1 let me back in (one secured/two not). Secured Mission Lane. AU on AMEX Gold, Citi Premier and Chase Sapphire. Car loan approved without cosigner for $20,000. All current.
Currently: No lawsuits. Thinking most SOL have expired on CC debt. Fingers crossed my math and memory are correct.
CURRENT SITUATION:
Mission Lane Secured: $3,400 (SL $400 -- unasked for CLI)
Capital One Secured: $300
Capital One QS1: $300
Capital One Savor: $1,000
Chase Sapphire Preferred: $10,000 (AU)
AMEX Gold: No Preset Limit (AU)
Citi Premier: $8,500 (AU)
SPRING 2026
ALL BADDIES DROP
