All - within the past week two things have happened to me that 2 years ago I didn't think would ever happen to me:
1) Preapproved to purchase my own home
2) Approved for a Discover card
About two years ago my credit scores were hovering in the 440-500 range, depending on the bureau. I started nosing around on here, and finally joined. With a lot of hard work and guidance from many of you, two more of my goals have been reached. All three of my FICO scores are currently in the 650-600 range. Just last spring my total available credit was $1100. After a quick auto deny to Capital one for a CLI, I reached out to the corporate office (advice from you folks), asking for a CLI from $500 to $1250, and granted it! The reason for my denial was too low of a credit score.
just two months ago they gave me a CLI of $5,000... to $6250! I now have about $10,000 in available credit, 10x more than last spring.
Thanks for all the help on here and hopefully I can put my discover double cash back to use on my new home this year!