topic from 501 to 689 in 12 mos. UPDATE in Credit Cards

from 501 to 689 in 12 mos. UPDATE

rootpooty — Thu, 15 Nov 2012 18:30:05 GMT

Down to one baddie left but not going to mess with it being it falls off in 5 mos. Started wtih 7 derogs with zero credit history. Tonight I will request my secured card with NFCU be unsecured as well as an APR decrease. Hoping for a 5k limit.

I also have a BOFA secured card but Im going to wait and see how the NFCU account turns out and after they report I'll hit up BOFA. Not going to get too excited about BOFA though if im lucky and I mean lucky they are likely to give me my 300.00 back and increase the limit to 1,000 but I wont count on it.

Im going to close (PUTTING FLAME SUIT ON) my first premier card. This card is actually a secured card that only has a 50.00 year fee but surprisingly they didnt charge it at the year mark last month and there are no other fees despite the horrific reviews people give here.

If everything goes well with NFCU ill also apply with Chase freedom and walmart and thats it until that last derog falls off then who knows.

Someone get me some anti itch cause I dont want to keep scratching it! lol

****UPDATE**** NFCU approved for 5000.00. They asked how much I wanted I told them 5000.00

Re: from 501 to 689 in 12 mos.

djrez4 — Wed, 14 Nov 2012 20:07:31 GMT

Nicely done!

Re: from 501 to 689 in 12 mos.

webhopper — Wed, 14 Nov 2012 20:14:43 GMT

Amazing progress you've made there rootpooty!!!

Good Luck with NFCU... I sense that it will have a very positive outcome!

Re: from 501 to 689 in 12 mos.

wallyworld123 — Wed, 14 Nov 2012 20:19:27 GMT

I am happy for you thats a gr8 accomplishment and you should be proud of yourself 501-689 wonderful. I love nfcu i know you have been waiting patiently for this day to come. I am rooting for you big time!

Re: from 501 to 689 in 12 mos.

Jutz — Wed, 14 Nov 2012 20:39:59 GMT

Wow, congrats!

Re: from 501 to 689 in 12 mos.

Epcot — Wed, 14 Nov 2012 20:44:14 GMT

Good job on your progress! Hope NFCU and others show you some love now! Keep us posted. :)

Re: from 501 to 689 in 12 mos.

distantarray — Wed, 14 Nov 2012 20:52:50 GMT

that's great =) nice to see others getting huge jumps in scores in a short time. in 2 months try to dispute the items as obsolete they'll often remove early if it's close enough ;) I was even worse than you last year =)

Re: from 501 to 689 in 12 mos.

Cadillac-XTS — Wed, 14 Nov 2012 21:25:27 GMT

Congrats

Re: from 501 to 689 in 12 mos.

obageegee — Wed, 14 Nov 2012 22:26:01 GMT

I should have filmed my burning FP card! Congrats!

Re: from 501 to 689 in 12 mos.

Repo-ed — Wed, 14 Nov 2012 23:00:22 GMT

nice work!!! I hope to see similar results come Feb (My 12 mo. mark)

Re: from 501 to 689 in 12 mos.

brother7 — Thu, 15 Nov 2012 00:43:32 GMT

Congratulations!

A 188-point increase in 12 months is the stuff that legends are made of! And it's a testament to your perseverance and dedication to the task. Rebuilding is a tough road sometimes but as you know, the reward is oh, so sweet! :smileyvery-happy:

Re: from 501 to 689 in 12 mos.

tennisfan78 — Thu, 15 Nov 2012 00:58:22 GMT

wow, congratulations!

Re: from 501 to 689 in 12 mos.

rootpooty — Thu, 15 Nov 2012 01:02:25 GMT

Thanks for the responses. I followed members recommendations here and started with 3 secured cards while I worked on my derogs. 2 things that every rebuilder should have is patience and persistance. Im sure I couldve hit 700's but I'd rather let that last derog fall off. No sense in poking something that is 7 years old. The best part other than getting collections deleted was finding out I was eligible for NFCU.

Re: from 501 to 689 in 12 mos.

obageegee — Thu, 15 Nov 2012 01:55:52 GMT

Way to go! Bravo!

Re: from 501 to 689 in 12 mos. UPDATE

rootpooty — Thu, 15 Nov 2012 18:30:33 GMT

****UPDATE**** NFCU approved for 5000.00. They asked how much I wanted I told them 5000.00

Re: from 501 to 689 in 12 mos. UPDATE

bluesnowman — Thu, 15 Nov 2012 18:42:51 GMT

Nice work! You did what you had to and now you can get some really good cards, and you turned yourself around from having terrible credit to having decent credit now. Keep it going!

Re: from 501 to 689 in 12 mos. UPDATE

djrez4 — Thu, 15 Nov 2012 22:51:15 GMT

Should have asked for $10k! :smileyvery-happy:

Re: from 501 to 689 in 12 mos. UPDATE

jordanmedical — Fri, 16 Nov 2012 03:50:06 GMT

for which card, root? Or did you get a cli?

Re: from 501 to 689 in 12 mos. UPDATE

rootpooty — Fri, 16 Nov 2012 04:53:13 GMT

jordanmedical wrote:
for which card, root? Or did you get a cli?

They wouldnt unsecure my secured nrewards. Today Ive had it for a full year and they told me they no longer do it at the 12 month mark now instead they auto do it at the 13 month mark. I got the cli on my plat. card originally was 1k limit requested 5k instant approved over the phone

Re: from 501 to 689 in 12 mos.

JusdoNit — Fri, 16 Nov 2012 06:16:43 GMT

Very well played. My hatt off to ya:smileywink:

topic from 501 to 689 in 12 mos. *UPDATE* in Credit Cards

from 501 to 689 in 12 mos. *UPDATE*

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Re: from 501 to 689 in 12 mos. *UPDATE*

Re: from 501 to 689 in 12 mos. *UPDATE*

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topic from 501 to 689 in 12 mos. UPDATE in Credit Cards

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