I didn't have any cards prior to November 2014. I had a car loan that was paid off in 2009. I have numerous student loans from 2008-2013. I was approved for Walmart (500), Meijer (500), Amazon (600), and Capital One (300) in November and December 2014. My scores when I was approved for these cards were all in the low 600's. One dropped to 590 after this set of apps. I was successful in getting Enhanced Recovery off my credit reports in April, and all 3 scores jumped significantly. Transunion was the highest at 719 or so. My Experian was around 690 and Equifax 660. I was approved for a car loan at the beginning of May with a TU auto enhanced score was close to 740. My apr was approved at 2.25%. It has not reported yet though. After the loan inquiries, I apped for quite a few cards and my scores from the inquiries dropped by 10-20 points. Fast forward to now I have Meijer ($750) Walmart (5000), Walmart MC (1800), Amazon (6000), Capital One (1300), PNC Cash Rewards Visa (1000), Discover It (1500) Barclay Reward MC (2000), Lowes (15000), JcPenney (5000), Old Navy (2000), and VS (500). All the Synchrony cards have had large CLIs in the past month. The original cards from November and December 2014 are the ones that aged to six months. Not sure what else plays into scores besides utilization and history. This makes me so happy. My son, Husband, and daughter are all chronically ill and we lost everything in 2008 due to my husband and daughter getting sick a year apart. Never thought I would have credit again.
