Two years out - two new cards

[JeepMom]

I applied for a JC Penney and a Khol's charge purely for the discount. I paid them off on the spot as the intrest is horrid.

I just wanted to let you know that both must require the 2 year mark. I applied for both in the past and got denied. I was shocked when I got approved for both.

[bkdone]

Congratulations. Now that you are 2 years out, how are your scores? Did they climb slowly or did you see a dramatic jump at the 2 yr mark? I know that every situation is different, but I am curious since I'm gettiing there.

[JeepMom]

We both had high jumps as soon as I cleaned up the reports. No big notice since we hit the two year mark that I noticed. I have noticed that the higher available credit and less on the cars the higher the scores go up. We are still both around 635.

My next step is to work on getting the actual BK off the reports.

[wayne-o]

congratulations on your cards. I dont think that 2 years out is necessarily a benchmark for them. I got a JC penney card 2 months after discharge. It was issued by GEMB who also issue the walmart card lowes....