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Secured WF upgraded to unsecured

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Duncanrr
Valued Contributor

Secured WF upgraded to unsecured

Only took 7 years but my WF secured credit card finally auto upgraded to unsecured. My credit scores are perfectly clear now with scores above 800.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
17 REPLIES 17
BallBounces
Valued Contributor

Re: Secured WF upgraded to unsecured

Smiley LOL

 

That's nuts.

050719:     
021924:     


FICO 08 scores listed and are stagnated until multiple derogatory items expire over the next two years.
Message 2 of 18
Brian_Earl_Spilner
Credit Mentor

Re: Secured WF upgraded to unsecured

I applaud your patience. I would have cut them long ago.

    
Message 3 of 18
Anonymous
Not applicable

Re: Secured WF upgraded to unsecured

Congrats on that graduation!  I see that patience is abundant with you.  Did you put a lot of spend on it or did you forget you had it.  Curious on why it took them so long to graduate it.  

Message 4 of 18
M_Smart007
Legendary Contributor

Re: Secured WF upgraded to unsecured

"Only took 7 years but my WF secured credit card finally auto upgraded to unsecured."

 

I guess one could say that "WF" is a little on the conservative side.

 

Congrats!

 

 

EDIT: I sure hope they gave you a CLI ??

Message 5 of 18
Duncanrr
Valued Contributor

Re: Secured WF upgraded to unsecured

I was going to cut them this year before anniversary date. I wanted to have it until all my baddies were clear. They officially graduate it on 7/2/19. No idea on CLI. I just approved for American Airlines Plat Select at 16.5k CL. (I had hardly used the secured card.)


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 18
GApeachy
Super Contributor

Re: Secured WF upgraded to unsecured


@Duncanrr wrote:
 I wanted to have it until all my baddies were clear.

Congrats in deed.....so your baddies just fell off and they unsecured you.  That's a double celebration!!!!  Hope you get a big cli soonSmiley Wink

My Take Home Pay Don't Take Me Home
Message 7 of 18
Rebuild2019
Valued Contributor

Re: Secured WF upgraded to unsecured

Hello,

I was thinking about applying with WF. I am just starting out with a 520 CS. I have banked with WF since 2005. 7-yrs is a long time to wait. I have 4 derogatories that should fall off in 3 months. Maybe I should wait. Got approved for Discover Secured and Open Sky. Congratulations to you.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |
Message 8 of 18
calyx
Super Contributor

Re: Secured WF upgraded to unsecured

WOW.

Well, congrats, finally! 

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 9 of 18
Brooklyn2018
Valued Contributor

Re: Secured WF upgraded to unsecured

Congrats on the 7 yr wait. You went thru an entire CRTP! Yes. Congrats on your patience👍 Hope it’s a generous CLI🤞

Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700**MET MY GOAL** | Goal score: 800
Take the myFICO Fitness Challenge




>


I❤️NY
Message 10 of 18
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