My rebuild journey began March 2024, now a month later I have made significant improvements and have gotten some pretty amazing offers. I will sum up my updates and you can see below for where my credit was at the begining of March 2024. I paid my Capital one Quicksilver one and Platinum both paid off zero balance. I paid down Discover balance to 60% utilization, Macys is at 54% and bloomingdales is still at 0%.just this past week, I requested CLI on all my cards except bloomingdales, all denied except CAP1 Quicksilver One, the offer was $250 but I declined.I did a prequal for citibank and was approved for a citi cash back card with $3,500 CLI, feeling lucky I did a prequal for NFCU and was approved for their amex card with a whopping $25,000 CLI (Ive been banking with them for 8 years). pushing my luck I tried for PENFED Pathfinder and got preapproved for $3,500( the page refresh and when i tried to do it again no luck). 3 days later I was feeling the itch and applied for Captital One Venture, I picked the lowest in the tier but was approved for the second rank venture card with a limit of $3000.Riding the wave I applied for AMEX platinum got approved with no set limit. none of my scores were above 670 at the time of my applications. I plan to drop the accounts that I am a authorized user on and garden now to work on my profile. My goal is to try and get in with CHASE and USAA in the future.hope this info can help someone. 
Experian FICO 8 638
Payment History: 81% 4 late 30+ days 4 late 60+ days 81% accounts always paid as agreed. 1 month since recent late. ( This is all old 2019 data my current cards have never been late .)
Credit Usage: Overall: 55% Discover 99%, Capital One Quicksilver 97% Capital One Platinum 2% Macys 55% Bloomingdales 0%
Authorize User Accounts (I am linked to):Citibank card 95%, Chase 21% Banana Republic 0%
Student Loans: $22,000 deferred while enrolled in school. no late payments.
Personal loans: Affirm paid/closed 03/2018 reported 6 late payments. one 30 day, three 60 day, two 90 day.
Closed Accounts: Express charge off $767 last payment 12/31/2018 reporting one 30 day late, one 90 day late one 120 day late one 150 day late one 180 day late . last update 08/2019. Victoria Secret charge off $ 378 last payment 12/27/2018 reporting one 30 day late, one 60 day late, one 90 day late one 120 day late. Last update 08/2019 Old Navy charge off $199 ( 66% of credit limit) last payment 12/16/2018 last updated 02/05/2024. reporting one 30 day late, one 60 day late, one 90 day late one 120 day late.
Credit Age: Good
Hard inquiries: 1 dropping off May 2025
Equifax Fico 8 633
Payment History: 91% 1 late 30+ day 1 late 60+ days ( This is all old data from 2019.My current cards have never been late .)
Credit Usage: Overall:74% Discover 99%, Capital One Quicksilver 98% Capital One Platinum 3% Macys 56% Bloomingdales 0%
Authorize User Accounts (I am linked to):Citibank card 96%, Chase 21% Banana Republic 0%
Student Loans: $22,000 deferred while enrolled in school. no late payments.
Closed Accounts: Old Navy charge off $199 ( 66% of credit) last updated 02/2024 reporting 1 60 day late and 2 90 day late.
Credit Age: Good
Hard inquiries: 1 dropping off May 2025
Transunion Fico 8 666
I dont have specific details as I just recieve a condense summary from my discover card.
One inquiry: dropping off 2025
Revolving utilization: 68%
Missed payments: 0
Nice work, congrats!
@Creditgirl23 wrote:My rebuild journey began March 2024, now a month later I have made significant improvements and have gotten some pretty amazing offers. I will sum up my updates and you can see below for where my credit was at the begining of March 2024. I paid my Capital one Quicksilver one and Platinum both paid off zero balance. I paid down Discover balance to 60% utilization, Macys is at 54% and bloomingdales is still at 0%.just this past week, I requested CLI on all my cards except bloomingdales, all denied except CAP1 Quicksilver One, the offer was $250 but I declined.I did a prequal for citibank and was approved for a citi cash back card with $3,500 CLI, feeling lucky I did a prequal for NFCU and was approved for their amex card with a whopping $25,000 CLI (Ive been banking with them for 8 years). pushing my luck I tried for PENFED Pathfinder and got preapproved for $3,500( the page refresh and when i tried to do it again no luck). 3 days later I was feeling the itch and applied for Captital One Venture, I picked the lowest in the tier but was approved for the second rank venture card with a limit of $3000.Riding the wave I applied for AMEX platinum got approved with no set limit. none of my scores were above 670 at the time of my applications. I plan to drop the accounts that I am a authorized user on and garden now to work on my profile. My goal is to try and get in with CHASE and USAA in the future.hope this info can help someone.
Experian FICO 8 638
Payment History: 81% 4 late 30+ days 4 late 60+ days 81% accounts always paid as agreed. 1 month since recent late. ( This is all old 2019 data my current cards have never been late .)
Credit Usage: Overall: 55% Discover 99%, Capital One Quicksilver 97% Capital One Platinum 2% Macys 55% Bloomingdales 0%
Authorize User Accounts (I am linked to):Citibank card 95%, Chase 21% Banana Republic 0%
Student Loans: $22,000 deferred while enrolled in school. no late payments.
Personal loans: Affirm paid/closed 03/2018 reported 6 late payments. one 30 day, three 60 day, two 90 day.
Closed Accounts: Express charge off $767 last payment 12/31/2018 reporting one 30 day late, one 90 day late one 120 day late one 150 day late one 180 day late . last update 08/2019. Victoria Secret charge off $ 378 last payment 12/27/2018 reporting one 30 day late, one 60 day late, one 90 day late one 120 day late. Last update 08/2019 Old Navy charge off $199 ( 66% of credit limit) last payment 12/16/2018 last updated 02/05/2024. reporting one 30 day late, one 60 day late, one 90 day late one 120 day late.
Credit Age: Good
Hard inquiries: 1 dropping off May 2025
Equifax Fico 8 633
Payment History: 91% 1 late 30+ day 1 late 60+ days ( This is all old data from 2019.My current cards have never been late .)
Credit Usage: Overall:74% Discover 99%, Capital One Quicksilver 98% Capital One Platinum 3% Macys 56% Bloomingdales 0%
Authorize User Accounts (I am linked to):Citibank card 96%, Chase 21% Banana Republic 0%
Student Loans: $22,000 deferred while enrolled in school. no late payments.
Closed Accounts: Old Navy charge off $199 ( 66% of credit) last updated 02/2024 reporting 1 60 day late and 2 90 day late.
Credit Age: Good
Hard inquiries: 1 dropping off May 2025
Transunion Fico 8 666
I dont have specific details as I just recieve a condense summary from my discover card.
One inquiry: dropping off 2025
Revolving utilization: 68%
Missed payments: 0
Wow, Amazing results! Congratulations!
- Well, Navy Federal pulls from TransUnion so that is probably why that is your biggest win, as TransUnion looks to be your best out of the 3 profiles by far.
- Amex pulls from Experian usually but can also pull from a secondary bureau or change them up depending on where you live.
- PenFed pulls from Equifax.
- Capital One usually pulls all three bureaus.
The Navy Federal account will help improve your utilization greatly, and also with 0 missed payments in the TransUnion credit report, you should receive the most credit point boost there.
Best of luck in your continued rebuild!
Congrats on the approval successes! That being said I would never turn down a CLI from Capital One since it's a soft pull. $250 isn't much but there's no harm to accepting it and while they usually willl make you wait 6 more months before potentially approving another CLI on that card, accepting it has no bearing on whether they'll approve a future CLI request. Most Cap 1 platinum cards are bucketed so the account is probably limited in how much it will grow. Your Venture card likely has a better chance of growing than the Platinum.
Congrats!
I would suggest getting yourself removed from that nearly maxed out Citi card youre an AU on that is definitely not helping you.
