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About maaj

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  1. I am sorry, I work on credit very sporadically (life is crazy with 2 sets of twins in the house ) so I do not always see things directed at me timely. Around the time that I got those cards my fakos were: TU: 560 EX: 652 EQ: 617 Update: I applied for Kay Jewelers in store, I was approved for $6300, but apparently they give you a higher limit while in the store when you are first approved. My actual CL on each card is $5,000. I bought a $100 necklace from Kay to get it reporting, well all THREE cards are reporting each $5,000 limit!!
  2. Thanks, I was thinking the same thing when I was typing the signature. I did not realize I had so many. That also does not include the Nissan Armada and Nissan Titan that I have as good lines on my credit as well. That is almost another $70,000 in good credit!! Now those are new but all of my credit cards have less then half on them and I plan to keep them that way!!
  3. Crown Jewelers was one of the first lines of credit that I got when I was first starting this process. Every little bit helps, especially an account like this. I ordered a pair of earrings I liked. I did not spend much on them at all. This was about a year ago and I have never ordered anything else from them. This line is still reporting as good credit with a $0 balance. I think it is worth it.
  4. I went today and applied for a Lowes card and got approved for $900!! I bought some paint, a paint brush and a drop cloth for my bathroom and did not get ANYTHING ELSE. I will pay off that $75 when the bill comes and then I guess next month I may go and charge the 2nd bathroom supplies and then pay that off. It feels great being able to get credit again. I am done....done......done with new cards for a while. I am sure my scores will take a major dip once all of my new cards hit my reports but I know they will come back up and hopefully rise in time.
  5. Thanks to everyone. I guess I need to do a little more research about whether or not it matters as to what card you have (Visa, MC, etc.) I was assuming it did make a difference and it was harder to get a Visa since I have yet been approved for a Visa yet I have 3 MC's now since I was approved for Hooters.
  6. Well this last spree was fun! I applied for Kay's and was approved for $6300. I applied for JB Robinson and was approved (guessing for $6300) and I just called Hooters to check on the processing of my application and was told I was approved! I am not sure of the CL for my Hooters card. I will be through now with my applications for a while, that is unless someone can tell me a Visa I may be approved through considering my recent approvals of these TL's. Any suggestions?????
  7. You are right on the mark with your last paragraph. I think the first time I ever said "I wish I would have listened to my parents because they were right" was once my credit was not so good. I really would just like a visa card. I have Orchard Mastercard and then I have a Pearl Mastercard. Eventually I would like a Mastercard that is better then those 2 and a good Visa.
  8. You may have seen my thread about my fiance being approved for $5000 with the Target Visa. My credit is better then his is so I decided to try. Sidenote: I had a charged off account at Target over 7 years ago. Neither the OC or CA are listed on my credit report. Last year I applied and got a letter declining due to this old account. So I replicated his steps. I applied online for the Target and Target Visa card. I got a message saying it was processing I would be notified. I then waitied until the next afternoon and called into the New Credit Department. I found out a little more how it works: (This may be common knowledge for some, but for me it was not, I do not know all the ins and outs of how all of this works) I figured they would hit my credit and decide based upon that credit check, well before they run a hit on your credit they run it against another system and they do not even make it to the second stage of credit check if there is an account matching your ss #. I guess I knew they checked their records, but I thought they would also run my credit as well. I explained that I have been rebuilding my credit and getting it all right this time. I asked her if they would ever extend credit to someone who had a bad account before even if they had improved everything, she told me it would just depend on which system they were using. She said they switch up their system periodically. She was very helpful and very nice. Does anyone know of any creditor that will reopen credit to someone who had a charged off account that was far enough back in time for it to fall off of your credit report???
  9. His report is not that great. Now I am not sure of FICO's, but his FAKOS are: TU: 587 EX: 577 EQ: 588 He has a 30 day late on a car loan last August 2007, that account is closed paid and current. He has something from Global Checks that I need to work on getting rid of. A check from his account that someone stole and bought PIZZA at Papa Johns, lol. He has a car that was repossessed in 2001 or 2002. This account has been chargedoff and guess who has it??? CRAP 1, I think I need to really research this because the 7 years should be close by. CA's: Arrow, this is close to the 7 years AFNI (Cingular) Central Credit Solutions
  10. Ha, well the first time I see that on my credit reports I will remember your advice because I may just want to.
  11. I can't believe it. His credit is actually a little worse then mine. He applied online last night and he just told me about it. I asked him why he did that without me knowing (I was not being mean just sarcastic) because he knows I know how everything works. I told him he should have applied in store instead of online. So I gave him the CS phone number and had him call, she told him that he was approved for $5000. Now I am wondering if I should apply. The problem is that I had a target account many many many years ago. I have gotten rid of both the CA and the OC from my reports, I tried last year sometime and was not approved. I wonder if I applied again would I get approved????
  12. :mrgreen:ARE YOU SERIOUS???? So I POSSIBLY just got an additional $18,000 of credit line???? WOW! Well then how quickly does that start to show because I can't wait to see what my scores are going to do. That will be a HUGE help on my utilization!!! I am soooo excited now!!
  13. Just got an email that I was approved for JB Robinson Jewelers!! Not sure for how much, but I got approved!
  14. Ha ha, thanks and I promise I won't!! I feel bad that I did apply for the other 2, but I did. No more though. I am happy with getting approved for that much! I have waited and worked too long to get my credit even where it is today!