Don't know why some of my posts get cut off so I had to re-write most of it.
1st I can't express fully enough my gratitude to those who have offered advice, commented, asked questions & started threads on so many different things on these forums. You all have helped me form better judgment and shape my credit profile.
I first logged in here on 1/8/16 but was consuming info voraciously for a couple of weeks prior. I app'd and was approved for the QS1 and Plat. ($500 SL's on both) on 1/9 (without having a solid pre-approved “OFFER”). I then started disputing some items and requesting EE's from the bureaus with some success (because I did my research here and understood my expectations). I then app'd the standard FingerHut and Overstock with approvals. Bought 1 item on each and PIF'd. Watched my scores bounce a bit with things coming off, INQ's hitting & new accts being reported while slowly creeping up. Then I PC'd the Plat to a QS and got $1K CLI's on each. I went for the Amazon and Walmart store CC's and got approved (I use them all the time and PIF). Got CLI's to $3500 on each through CS.
2 weeks ago I was able to get an EE from EQ & EX for my last CO and my scores jumped around 50pts.
Taking the advice I get here (and with those higher scores) I app'd the Cap1 VISA Rewards and was approved for $3K, Lowes $1500, and Smile Generation $4K bringing my total CL to over $23K and all since 1/9/16!!!
For those here who feel lost or without hope I'm giving a TRUE testimony to the fact that treating your credit future like a job has its rewards. I spent countless nights and early mornings devouring these threads learning as much as I could BEFORE I took on the next item so I had a good feel for the result I would get and trying to repeat others successes and it worked.
Go for your goals like they mean something and you can achieve them.
