rootpooty Tracker

Re: Been gone for awhile few ??'s

rootpooty — Fri, 17 May 2013 04:00:58 GMT

nicholasyud wrote:
Check your credit report before you attempt to go on an app spreee....Sometime baddie remain the same for some reason/////////////

Its gone all 3 reports ive triple checked:smileywink:!

Not going on app spree just seeing if walmart and amazon will show me some luv!

Re: Been gone for awhile few ??'s

rootpooty — Fri, 17 May 2013 03:43:41 GMT

Got it thanks!

Been gone for awhile few ??'s

rootpooty — Fri, 17 May 2013 03:36:10 GMT

Hey whats up gang nice to be back. I took about a 6 month break to wait for that last baddie to fall off the reports and now they are perfect! Its just with all the approvals at the time that people were posting it was just too hard to stay in the garden so I needed a break from myfico lol.

Anyways is it still a soft pull to request a CLI with GECRB? I have an account with walmart and amazon both GE accounts.

Also does anyone have the number to call for amazon in case I get denied? I have the number for walmart to speak to an underwriter/analyst

Re: NFCU - When to ask for CLI?

rootpooty — Sun, 16 Dec 2012 02:25:09 GMT

Yeah yeah Duncan way to rub it in our faces with your stinkin 25k limit! Lol

As far as SP's go I'm sure if you request a cli online and it goes to further review it will result in a HP

Re: Walmart Card as Second Card?

rootpooty — Fri, 14 Dec 2012 06:38:25 GMT

Repo-ed wrote:
If you were approved for Walmart Discover, then you'll have no problem getting Amazon Visa - I would go for it, so they INQ fall-off at the same time, next year.

Eh that may be true but Walmart Discover is still backed by GE which is leniant and amazon visa is backed by Chase which is not so leniant.

Its obviously up to the op here but if the op is after higher limits and wants a dead shot at approval I would go for amazon store card. Has way more potential of CLI's and they are all soft pulls. You breathe at chase and they will HP you

Re: How am I doing?

rootpooty — Fri, 14 Dec 2012 06:24:44 GMT

Your on the right track. If I were you I wouldnt add to the deposit with NFCU secured card. Just use the card every month and PIF every statement then at 6 mos with the card I would app for a cash rewards card then close the secured card. There have been PLENTY of members myself included that have done this. NFCU isnt unsecuring cards anymore. I had my secured card for 13 mos with them and it took many phone calls and emails and PM's and pulling teeth to get them to review the account and PC it to a cash rewards card with a CLI and keep the tradeline to finally them telling me we just dont unsecure secured cards anymore.

If your credit picture is clean but thin I see no issue with doing this as soon as 6 mos and them rewarding you with 2.5k cl to start with

Re: AmEx shows past due, but I'm on a payment plan

rootpooty — Fri, 14 Dec 2012 06:15:03 GMT

Its going to show past due until you pay the balance in full. How many lates have been reported?

Re: Too much credit with NFCU?

rootpooty — Fri, 14 Dec 2012 05:22:50 GMT

bichonmom wrote:
I'm not sure that navy would weigh their total threshold for loss the same among the different types of accts. I do know that the amt that you're approved for with Navchek is based on your credit, and the interest rate is the same for everyone. As you mentioned, an auto loan would likely be weighed differently because it is a secured loan. I don't think that would count the same as an unsecured loan for their loss threshold.

that said, if you know you're going to be getting an auto loan, you might want to hold off and get the Navchek afterwards. It does seem that they want proof of income for auto loans, so it might make getting the navchek easier if they already have that info. Also, if you do run across a max ceiling for total credit, your auto loan would probably be a priority for you over Navchek.

you make an excellent point and I was thinking earlier that Im going to apply for auto loan first then maybe navcheck. Id rather be approved for auto loan and denied for navcheck rather approved navcheck denied auto loan

Re: Too much credit with NFCU?

rootpooty — Fri, 14 Dec 2012 04:42:24 GMT

Thanks for the replies

Re: Walmart Card as Second Card?

rootpooty — Fri, 14 Dec 2012 04:21:38 GMT

I was going to suggest Citi forward for amazon but being you want to hold off on that and are kinda hinting at wanting a 3rd tradeline I see no issue with apping for the amazon store card.

yes your walmart discover is backed by GE.

No having it has nothing to do with discover itself. it just runs off the discover network

Re: Chase Freedom CLI!

rootpooty — Fri, 14 Dec 2012 03:53:41 GMT

Duncanrr wrote:
2 cards with chase and two pulls (both on first card and second card wasn't a HP- I know shocked). NFCU has two pulls for 1 card (1 for membership)

for me it was the other way around. 2 pulls for Freedom and like you 1 pull for membership and one pull for CC

Re: Too much credit with NFCU?

rootpooty — Fri, 14 Dec 2012 03:22:43 GMT

Mellon wrote:
i have a $14K Cashrewards, a $7k Platinum Card, $10k Navchek and an 8k personal loan...i have dd

this is what i was looking for. whats your income if you dont mind sharing?

Re: Too much credit with NFCU?

rootpooty — Fri, 14 Dec 2012 03:21:01 GMT

swpopham wrote:
I wouldnt worry about that at all if you go over 250k with them it takes upper management to approve though

ME:
NavChek-15k
Cashrewards 10.5
72k auto
69k auto
22k 4-wheeler my income is 165ish

wife-
navChek-15k
cashrewards-15k- wifes income is 65ish
boat- 35k

4 letter explicits flew out of my mouth when I saw this lol

Re: Too much credit with NFCU?

rootpooty — Fri, 14 Dec 2012 01:44:21 GMT

jsickz32 wrote:
my income is close to yours and last time i talk to CSR when opening my Flaghship i was told that at this moment i had reach my limit with them. now i dont know if she meant as in CL on my cards, i just said oh ok lol. i also want to apply for NavCheck but im afraid.

Ill app for the navcheck if you do lol you first! Maybe thats on your CC accounts. I would think that auto loan is different cause there is collateral. You default and they take it where as a CC can be more difficult.

What are your limits on your CC's with them if you dont mind me asking?

If your current CC limits are near your income I can see that making them shaky lol

Too much credit with NFCU?

rootpooty — Fri, 14 Dec 2012 01:05:32 GMT

Im going through a dilema and need my NFCU to chime in and give suggestions.

14 mos ago I started with a 500 secured nrewards card that just PC'ed to a 3k cash rewards last month.

5/12 I opened up a Visa Plat. card 1K limit and had it raised to 5K last month.

Ive been a member for about a year and a half.

I really would like to app for a LOC (NAVCHECK) and more then likely do an auto loan through them but I wouldnt need more than 15K

My income is 50k and according to my last phone call with UW my DTI is pretty good cause I have no installment loans just CC payments, rent, utilities and everyday cost of living.

Do any of you have CC, auto loan, navcheck the works with them?

I do have DD with them but I only have 50 bucks DD every 2 weeks. I do it for like a small savings.

My EQ fico prob dropped to I would say 650-660 due to the new accounts and 2 inquiries from last month with a 200.00 baddie due to fall off in May but NFCU didnt even question me about it when I was talking to UW last month.

Re: Walmart Card as Second Card?

rootpooty — Fri, 14 Dec 2012 00:55:31 GMT

congrats.

Eh I dont care much for cap one. If you dont mind the 3 hp's I would say go for it but be prepared for a low limit card for life.

Where do you shop more walmart or amazon?

You have the discover card which means you can use it anywhere that accepts discover and not just at walmart.

I think amazon and walmart have the same criteria. I apped for both in the same day within 10 min

Re: Can you have too much avail credit?

rootpooty — Fri, 14 Dec 2012 00:51:46 GMT

Banks arent making money if you are not swiping their card. As far as having too much available credit the more common ones if you pay attention are the ones who are still in school and/or low income. I actually started a thread about this a few weeks ago asking whos CL exceeds their income and quite of bit of fico members chimed in.

I make 50-60k per year and I would be really really happy if I can have 50% of my income in available credit.

I believe lenders thoughts of not extending more credit comes into play when they see a report with 20+ store accounts and 10 bank cards (ok so thats alot but we do have members who have too many open cards)

Amex is not for me I simply do not care to have business with them but thats just me. The cards I have in my sig are what suits my everyday needs. I bet more than 50% of us have enough available credit at our disposal. However if a bank comes out with a new card that has better rewards than my current line up then thats what keeps me and the next guy apping for more.

So to answer the OP's question yes most of us have enough or too much credit but as I stated banks arent making money (aside from CC's) if you arent swiping or carrying balances which is why UTIL is an important factor when apping

Re: Navy...Navy...Navy...how i luv u!!!

rootpooty — Thu, 13 Dec 2012 21:32:20 GMT

I really need to app for this dang Navcheck lol. Do you have DD with them?

Re: Navy...Navy...Navy...how i luv u!!!

rootpooty — Thu, 13 Dec 2012 21:29:36 GMT

anthill927 wrote:
This may be a completely stupid question lol but do you have to be in the navy or military to apply for this card? I only ask because you can apply for some credit union credit cards in ohio and you dont have to be a part of it to get it, like the ohio educational credit union for teachers, they let anybody join. I also got my car loan through a credit union and I wasnt even a member of it.

The eligibitity is on the website. Pretty much have to have acitve military family or have an immediate family member be a member. There are more ways in

Re: USAA

rootpooty — Thu, 13 Dec 2012 21:27:06 GMT

well if your EQ is sitting at 625 then I can see why they are telling you that you are not eligible for an increase