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Secured WF upgraded to unsecured

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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

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17 REPLIES 17
Established Contributor

Re: Secured WF upgraded to unsecured

Smiley LOL

 

That's nuts.

050719:     
110419:     

Message 2 of 18
Super Contributor

Re: Secured WF upgraded to unsecured

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







Message 3 of 18
Valued Contributor

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.  




UNpopular opinions have served me well and will offer that which has worked for me.
Message 4 of 18
Super 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
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
Valued 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
Frequent 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 | QuickSilver One | Open Sky | Kohl’s | BB&T Spectrum Cash Rewards | NFCU CashRewards | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 8 of 18
Senior Contributor

Re: Secured WF upgraded to unsecured

WOW.

Well, congrats, finally! 

Nov 2019


Garden goal: keep on keepin' on
Usually a faithful practitioner of AZE5or6or7; working on AZE1or2 and grumbling about it.
Message 9 of 18
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: 650(within a year)


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Message 10 of 18
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