Been following these forums for a while ow and finally decided to take the plunge and post.
I started my rebuilding process in January 18' after applying for a Fingerhut Credit account with a $200 CL and a Capital One Secured Platinum card with a $200 CL with an average Fico of low 500's (can't find the actual numbers) and roughly 8-10 collections (owing approx. $5k for past due medical collections) between the three CRAs.
In March of 18' applied and got approved for a Discover It Secured with a $200 CL.
July of 18' Capital One increased my limit to $500.
October of 18' Discover sent an email saying they were unsecuring my card, returning my deposit and increased my CL to $2k.
January of 19' applied and approved for Citi Diamond secured with a $200 CL.
February of 19' applied and approved for a Visa Rewards CC through my credit union with a $1k CL.
April of 19' applied and approved for Capital One Quicksilver One with $300 CL.
June of 19' Capital One increased my CL on Quicksilver to $400 (at my request).
July of 19' applied and approved for the Amex Gold Delta SkyMiles with a $1k CL and Amex Everyday with a $500 CL.
July of 19' closed my secured Platinum card. I got sick of them giving me different answers when asking about unsecuring the account.
Current Score Breakdown:
Experian (7/29) - 676
6 open revolving accounts: $609 Balance.
3 installment accounts: $7k auto loan, $37k student loans (2 accounts).
3 experian boost accounts.
4 closed accounts.
17 reported inquiries.
$0 collections.
Transunion and Equifax have had a few collections hit and I will update when the scores update. Most recent scores; a 658 Transunion as of 7/7/19 and 633 Equifax as of 6/29/19.
Sorry for the long post but am pretty excited that I can finally start building a relationship with Amex. It has been slow, but I am getting there.
