I am rebuilding my credit with Fico scores starting in December 2015 around 530's-550's across the board. I opened a 5/3 secured Mastercard in Dec 2015 for $300, a USAA secured Amex for $300 in Jan 2016 and got an approval last month for Capital One rebuilder card with $100 limit, with increase to $500 with on time payments after 5 months. Oh and a Fingerhut account that started out at $300 in June 2015 with regular increases, my limit is now $1400 with $0 balance.
I tried to get a Cap 1 QS! last month but denied. I tried Target...denied. I tried the SCT several times but no luck until today! I was approved for a $500 Victoria's secret card! I'm still in shock because even though I have paid all of my revolving accounts on time and I keep my balances very low , I thought that it would be YEARS before I could get approved for any unsecured credit besides Cap 1! My Fico scores are now in the high 570's across the board and I have an auto charge off on my cr for over $10,000 and a Cap 1 collection account from 2012. No other baddies. I have had them all removed with disputes and PFD. My next goal is to get over the 600 score hump.
I am still in shock and I'm kind of expecting Comenity to send me a letter with laughing faces all over saying, "you silly fool, you know this was a joke right?".
I guess all of the hours that I have spent reading these forums and ocd'ing over my credit report is finally paying off right!?! I'm still expecting them to send me an "error" letter!