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"I *barely* made it" thread. Share your "I barely got approved for credit" stories!

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"I *barely* made it" thread. Share your "I barely got approved for credit" stories!

I do a lot of browsing and searching on MyFICO (so much good stuff here!) and found this thread from 2017. What a great thread! Let's start a new one! I sure have some "barely made it" stories of my own!

 

I had a massive CC debt that was partially paid off (settled for less than full amount) in November 2018. Also, a recent (from the summer of 2018) 90-day late. And not just all of those, but I also have a low (under 20K) income! I continue to have high utilization from some closed CCs that are being paid off with a low-interest fixed monthly payment. (I hope to pay them off completely within a year or less! I hope!)

 

On the plus side, I have an average account age of about 8-11 years and probably a pretty decent credit history before all my troubles befell me. I think that's helped. I also got a Green Dot secured platinum card in late November which may have also helped.

 

My "BARELY made it" approvals:

 

* Walmart Store card. Was accepted with approx 614 FICO and very high utilization (probably over 90%) with a limit of $200. Pretty amazing! Also got an Overstock store card for a limit of $250 at about the same time. What was especially encouraging about the Walmart card was that less than a month before I was rejected by them (this was before my debt settlement). I felt like a credit leper and that nobody would ever give me an unsecured card.

 

* Discover IT Cash Back. Was getting pre-approvals for the secured card only when my score was about 616. In early Feb 2019, my EX score jumped to 636 and suddenly I'm getting preapprovals for the Cashback and Chrome! Got the highest APR and an $800 limit. My utilization was about 89% at the time. I have a Discover checking account; that might have helped. 

 

So, what are your "barely made it" credit stories? 

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: Jan 25, 2020:
Goal for December 2019: FICO8 640-700 (reached! Fico 681!)
Goal for December 2020: FICO8 685-710
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $2000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $4,250, Walmart $500, Discover IT Cash Back $2400, Navy Fed cashRewards $2000, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17,000, (RIP Green Dot Platinum Secured)

Starting Score: 539
Current Score: 676
Goal Score: 760


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Message 1 of 9
8 REPLIES 8
Community Leader
Senior Contributor

Re: "I *barely* made it" thread. Share your "I barely got approved for credit" s

I’d say my AmEx approvals in November 2018 were just squeaking in at EX FICO8 of 630ish and the $1000 SLs on each attest to it.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 2 of 9
Community Leader
Mega Contributor

Re: "I *barely* made it" thread. Share your "I barely got approved for credit" s

Getting in with Penfed back in 2016 with just a $500 approvalSmiley Wink. I say just because i had to fight tooth and nail for a 1k increase a year later and to this day PF has no love for average joesSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 3 of 9
Community Leader
Mega Contributor

Re: "I *barely* made it" thread. Share your "I barely got approved for credit" s


@ImTheDevil wrote:
I’d say my AmEx approvals in November 2018 were just squeaking in at EX FICO8 of 630ish and the $1000 SLs on each attest to it.

 

Is that Indigo RIP yet?  Says 02/19. 

Message 4 of 9
Community Leader
Senior Contributor

Re: "I *barely* made it" thread. Share your "I barely got approved for credit" s

Not yet - I was mistaken in the date. Its open date is actually 4/2018, so I haven’t nuked it yet. It’s on my list for next week when I get back from an out of town trip and have a few minutes to load the gun and aim properly.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 5 of 9
Community Leader
Mega Contributor

Re: "I *barely* made it" thread. Share your "I barely got approved for credit" s

Alright, I'll remind you again Smiley LOL

Message 6 of 9
Community Leader
Senior Contributor

Re: "I *barely* made it" thread. Share your "I barely got approved for credit" s

Lol after watching how you show AJC no mercy, I don’t doubt it!!


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 7 of 9
Regular Contributor

Re: "I *barely* made it" thread. Share your "I barely got approved for credit" s

Mine would definitely be getting into Penfed with a mid 600's score and getting a $13,500 SL Power cash rewards card.



Message 8 of 9
Community Leader
Mega Contributor

Re: "I *barely* made it" thread. Share your "I barely got approved for credit" s


@ImTheDevil wrote:
Lol after watching how you show AJC no mercy, I don’t doubt it!!

 

He earned it, tho 

Message 9 of 9
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