Day & Night difference...thanks to this forum!

[nitrov]

It's been about 6-9 months since I've been on this forum for a decent amount of time, and I wanted to share with everyone some of the progress I've made only in that short time thanks to the incredible contributors to this board and a little bit of hard work.

Starting credit profile (6/2013):

Score range: 580-640

PREVIOUS Cards:

---Capital One Quicksilver: $750 CL

---Capital One Platinum (former HSBC card): $300 CL

---CareCredit: $3500 CL

---Credit Union Secured Card: $1500 (2 years old, not able to be converted to unsecured)

---American Express Optima: $500 limit (6 years old)

---First Premier Bank: $750 limit 

---Paypal Smart Connect: $500 limit

As you can see, nothing really impressive. Now...fast forward to today (1/2014) and here's my credit profile now:

Score range: 680-720

---I'm now a homeowner! 

CURRENT Cards:

---Cap One QuickSilver: $2250 CL (increase through EO)

---Cap One QuickSilver: $1250 CL (PC and increase through EO)

---CareCredit: $6300 CL (increased)

---Credit Union UNSECURED: $5000 CL (1/2014) 

---Barclayscard Reward MC: $2500 (opened 9/18/13)

---Barclayscard Priceline Visa: $1000 limit (also opened 9/2013) via recon backdoor number

---Chevron/Texaco Visa (GE Capital): $1500 limit (opened 11/2013)

---Lowes/GECB: $5000 limit (opened 12/2013)

---Chase Freedom: $500 limit (1/2014, prev paid chargeoff they wouldn't forgive from 2009)

---Discover It: $1500 limit (1/2014)

---HHGregg: $2500 CL (1/2014)

---USAA Cash Rewards Plat MC: $7000 limit (1/2014) 

---American Express PRG --approved 1/3/14 

A lot of persistence and patience got me from some subprime and junky CCs and CLs to prime CCs, a new home, and the credit I need to do improvements and upgrades in my home. I am hitting the garden for 6 months to see how much my new sprouts grow and going from there, but I am very confident that my scores will be in the 720-750 range across the board very soon!

This community is amazing and credit has become one of my favorite strategic games to play! I thank everyone for their contributions and input and look forward to staying part of this growing community for a very, very long time with plenty more awesome updates to go!

Amex PRG was my first unicorn, which I now caught! Now I'm going for CSP and an Amex revolver, which I hope to obtain by the end of 2014! Fingers crossed!

[Whitneyy]

I am so happy for you and in my opinion, that happened fairly quickly even buying the house! I look forward to hearing more about your journey!

What was on your credit report before? What type of things?

[nitrov]

---

@Whitneyy wrote:

I am so happy for you and in my opinion, that happened fairly quickly even buying the house! I look forward to hearing more about your journey!

What was on your credit report before? What type of things?

---

Thank you! I was definitely on a mission and am very happy with the results I've obtained. The house was something I've been working toward for about a year and a half and unfortunately my mortgage did have to go FHA because of my score, so I'll be looking to refi in about a year or 2, depending on what happens with rates.

I had a lot of chargeoffs which were all settled, a couple small paid medical collections, and worst of all was a repo. Between disputes and GW/PFD letters and a little help from some outside resources I was able to get almost every single negative thing off my credit, and once the mortgage closed late December, I went on an app spree and tirelessly recon'ed every single app as well as constantly asked for higher CLs when I actually did get approvals. It's amazing how much you can get from CC companies by just ASKING for it!

[AllThingsRPossible]

Congrats

[Whitneyy]

---

@nitrov wrote:

Thank you! I was definitely on a mission and am very happy with the results I've obtained. The house was something I've been working toward for about a year and a half and unfortunately my mortgage did have to go FHA because of my score, so I'll be looking to refi in about a year or 2, depending on what happens with rates.

I had a lot of chargeoffs which were all settled, a couple small paid medical collections, and worst of all was a repo. Between disputes and GW/PFD letters and a little help from some outside resources I was able to get almost every single negative thing off my credit, and once the mortgage closed late December, I went on an app spree and tirelessly recon'ed every single app as well as constantly asked for higher CLs when I actually did get approvals. It's amazing how much you can get from CC companies by just ASKING for it!

---

Well, I'm in the same boat, I ended up paying off a lot of my collection accounts and they are just sitting on my credit report as paid as agreed, and my capital one is shown as settled as agreed. I have an old charge off from Macy's that supposed to fall off soon. I have nothing too bad on my credit report, A LOT of inquires. My student loans are up to date as well as my car loan, and I just recently got a fingerhut account. I'm wanting to buy a house by the end of this year if not the beginning of next year so our stories seem so similar so I'm hoping for similiar results.

[LadyLeah]

Awesome progress! Congratulations and thank you for the inspiration. 

[myjourney]

Congrats WTG

[baller4life]

Awesome! Fabulous job!

[lavencedora]

Wow. That is a fantastic improvement in a very short time. Thanks for sharing & encouraging us all. :-)