I have been reading these forums for probably two years now in regards to rebuilding. This will be my first time posting. I have had success rebuilding thanks to ficoforums so thank you!
A little history:
Went through some rough times and charged off all four of my first credit cards at the age of 23. (Am 27 now)
CO's include:
Bofa rewards $2500
Schools first $2500
Capital one $300
Credit one $500.
I was an aothorized user on a couple other CL's
Au's include:
Citi CBNA $1000
SYNCB TJX $1000
Kohls $1500
Target $1400
I am a full time student, but managed to settle with all 4 CO's over the last two years.
Started in the mid 500's FICO
Got back in the game with Capital one platinum card $300 14 months ago, which went to $500 with credit steps.
Then Merrick 9 months ago for $700 that doubled to $1400. Then Cap one QS1 for $300.
In the last month I went on a nice spree and was able to get approved for Discover it (opted for the chrome) for $2400, Amazon prime store card $200, Chase Amazon Prime Visa $500, and just last night Citi AAdvantage Platinum Select for $3000! Scattered in there were a couple denials including Bofa, Us Bank, Chase freedon unlimited (have checking and savings for years with them), and wells Fargo cash wise (checking and savings relationship for 6 months now). I also got CLI's of $100 to each Cap one card with QS1 due for credit steps CLI in a month. And was upgraded from Cap one Platinum to Quicksilver no AF version.
Ficos pulled were from 621-633 on all three reports.
Current: Citi AAdvantage $3000/Disco it chrome $2400/Cap one Quicksilver $600/Chase amazon prime visa $500/Cap one QS1 $400/Amazon Store prime $200/Merrick $1400 and AU cards mentioned above. Also have $20,000 student loans (deferred)/Paid off Recreational merchandise (motorcycle loan) $3500 with 3 30 day lates (same time as CO's)/And 3 small collections (medical) two of which are being disputed because I had insurance and one that will fall off in less than a year.
UTI is 12% overall. With about 15 INQ's spread out over all three reports.
What are my next moves besides letting cards grow. Should I drop any AU's or any other suggestiong please and thank you!!
