I love to learn and it's important to share the entire journey not only what we call the wins. I no longer have student loans (decreased credit age), no debt of any kind and those factors can warrant a denial of the application. I have 4 new inquiries in the month of June shopping for the same product a personal or auto loan. So that's pretty aggressive although they say it wouldn't necessarily be the cause for the denial. It's one of the factors listed below on their reason for denial letter. Now, I have to rebuild the credit profile. I also have success with securing some capital and I will share that on another post. The point is we keep grinding and stay with foot on gas! My Experian is 750, Equifax is now 805, and Transunion on the attached letter is down to 803. Payment history 100% Credit Utilization 4% No derogatories 36 accounts and still 🚫

Win

I don’t know why I woke up in the middle of the night with an urge to apply for a Citi®️ credit card. After receiving an email stating, “We’re reviewing your application and will get back with you in 7-10 business days,” I thought I would be denied. Anyway, I was approved. 😅 Thank you, God 🙌🏾🥳. Thanks again, @Andre Lewis, @Bren Erick Alforja, and the Big Faith Consulting team for all you do. 🫂 I’ve gotten 4 credit cards within the past 3 weeks 😊(AMEX Gold, Navy Federal, Synchrony HOME, and Citi). I think I have 16 cards now. I don’t intend to apply for anymore credit cards, no time soon. This is not a rewards card. Hard pull from Equifax only.

Few more steps to the 700s !!

I’m floored Andre and his team really delivers in the space of 2 weeks my score went from 474 to 629. To me this is progress because for while it seems hopeless with my credit situation, I pray for GODs help and Andre was the answer to my prayers. I’m truly grateful.