- Gold Member
- Posts: 26
- Joined: Sat Apr 07, 2012 5:52 am
- Location: Franklin, Tn
My first CC (not co-signed by parent) was a Gold Delta Skymiles from Amex. 3k limit, back in 2006. I screwed up the Visa Signature card after 5 years, that left my dad with a 30-day late for 7 years. So I was very VERY credit shy going forward. Cash/debit only. So when I got the amex, I used it to auto-pay my vzw bill each month, then PIF'd.
In 2008, amex CLD me, and then in 2009, then closed the account all together. I ended up with a $5 fee hitting the account after closure that wound up in collections (not sure if internal or CA), but by my own ignorance, I was NOT going to pay a fee on a account that had a $0 bal and was closed.
Well, it grew to more than $250...and I ended up paying it. From 2009 until 2011, I was back to using cash/debit. But found myself always in a jam, when trying to rent a car, which I do frequently. That is when I knew my credit was in a mess. Couldn't get approved for anything. Had a repo from 07, 1-30day late from 08, and 2 collections. Found the FICO forums this past feb and have GW'd all buy 2 derogs, to include the 30 day, 1 collection, AND AMEX! Sent their exec office a GW and knew if successful, I was going to lose my oldest account, and my AAoA would take a dive. They removed, and my scores nose dived.
Well, that was just 2 months ago, and I decided to test the waters. App'd Amazon and Walmart store cards and were instantly approved. Now I had that high, and was REALLY wanting to get my backdating with amex (2006), so I decided to app the Zync last week. I was instantly approved w/ NPSL.
So got my oldest account back, and as a positive TL and couldn't be more stoked. Now I can close my orchard and cap1 secured.
This will leave me with Amex Plat (AU), Zync, Belk (GEMBC), Amazon, and Walmart. Only other cards I want are the Southwest Visa and TE from COSTCO.
Amex Costco TE
Amex Delta Gold
Barclay US Airways World MC
Chase SWA Signature
BOA Spirit World MC
[size=80]Barclay Apple Visa[/size]