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It IS possible...

New Contributor

It IS possible...

It has been a year and a half of hard work repairing my credit. After a foreclosure in 2004, I had ALOT of default credit cards and medical bills on my CRA's.

With the help of this board and the wealth of knowledge provided here, I feel for the first time in 10 years, I can finally see a light at the end of the tunnel.


After being denied for several SECURED cards a year ago, Capital One gave me a chance. I opened a $500 secured card with them and worked diligently

(weekly) with DV's, PFD's and GW's with all reporting agencies. Last summer I was forced to buy a car when my car of 13 years finally kicked the bucket. Again,

Capital One was the only one who would finance me with a high interest rate of 13.9%. I have made sure to keep my utilization between 10 - 20% which, along with deletions, has consistently raised my credit score.


Just recently, I opened an account with my work Credit Union. They were able to refinance my car at 5.9% interest rate. Approved me for an unsecured card ($1000 limit).

I then contacted Capital One Executive Office and asked if my secured card would ever be graduated to an unsecured card. The lady I worked with was extremely helpful, said that is no longer their policy, but she approved me for an unsecured card ($1000 limit). Lastly, I was shopping online this week and using the "shopping card trick" was able to get approved for a Victoria Secret's card (which can also be used at Bath & Body Works) with $1000 limit. I won't use that one very often, I just tend to buy a lot of Christmas gifts at B&B.


I'm done, time to sit back and garden! I know it's a long drawn out process, but I just wanted people to know that it IS possible! There IS a light at the end. I do have two remaining items on my CRA's. One is and old HSBC card (Midland) and the other is an old account with Verizon. I am continuing to work on those.


Thanks to everyone on this board who offer their advice and share their stories! You truly are a blessing to this community!

Starting Score: EQ 546 EX 560 TU 568
Current Score: EQ 703 EX 718 TU 715
Goal Score: 750

Take the FICO Fitness Challenge

Message 1 of 9
Established Contributor

Re: It IS possible...

Way to go, you have done a great job!!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 2 of 9
Valued Contributor

Re: It IS possible...

That's great, nice going!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 3 of 9
Moderator Emeritus

Re: It IS possible...

Very nice!

Starting Score: 504
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.
Message 4 of 9
Regular Contributor

Re: It IS possible...

Congrats great progress!

Message 5 of 9
Valued Member

Re: It IS possible...

Smiley Very Happy

Starting Score: EQ484TU503EX491 3/23/2012
Current Score: EQ652TU729EX707 Quizzle 651 CrKarma 714 3/5/14
Goal Score: 850

Take the FICO Fitness Challenge

Message 6 of 9
Established Contributor

Re: It IS possible...

Congrats!!  It gives up newbies hope!!  Smiley Happy

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
1/29/18 TU 740 ~ EQ 729~ Ex 708
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 17,300~NFCU Cash Rewards 17,000 ~Care Credit 6000
Message 7 of 9

Re: It IS possible...

That is great news!  We are just starting as well after a short sale and some medical collections.  Just wondering, what is 'shopping card trick'???





Message 8 of 9
New Contributor

Re: It IS possible...

Certain stores will pre-approve you with a soft pull on your credit report when you put items in your shopping cart and click purchase. I did research

on what stores and you can find a list here:

Shopping Cart Stores


Out of pure curiosity, I tried it and it did work! But be careful!!! From what I understand, it can be extremely addicting and you don't want to end

up with too many! I personally did not choose one that I know I would be too tempted to use alot. I know I'll just use it to purchase random birthday/Christmas gifts.


Hope that helps!

Starting Score: EQ 546 EX 560 TU 568
Current Score: EQ 703 EX 718 TU 715
Goal Score: 750

Take the FICO Fitness Challenge

Message 9 of 9