2x NFCU Approvals with 97% UTI...

[smittyboy020]

Hey what's up guys!!! After lurking and reading through this forum, I decided to say "hey why not" and pull the trigger just to experiment. Why at 97% uti? Just to see if it was possible and didn't mind the inq(s). So here we go:

Credit Scores: 654 EQ, 660 TU, 640 EX
AAoA: 4 years
UTI: 97% - 99% on all 6 credit cards, and $6,000 is my highest limit.
Income: $50k
Inqs: 4 on all three and 4/2013 was my latest pull.
One 90 day late from 4/2007

Apps: cashRewards and NavCheck

Results: cashRewards instantly approved for $8,500 Sig at 11.9%. I immediately followed that and apped for NavCheck and got instantly approved for the max, $15,000 at 16.9%!!

I opened a checking and savings account less than a month ago with $10 in both accounts.

And if you're wondering why my uti is so high, I was laid off last year... sucked. I found another job then threw myself in the garden.

Thanks for all the invaluable info!!! Back to the garden I go!!!

[-Wade-]

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@smittyboy020 wrote:
Hey what's up guys!!! After lurking and reading through this forum, I decided to say "hey why not" and pull the trigger just to experiment. Why at 97% uti? Just to see if it was possible and didn't mind the inq(s). So here we go:

Credit Scores: 654 EQ, 660 TU, 640 EX
AAoA: 4 years
UTI: 97% - 99% on all 6 credit cards, and $1,700 is my highest limit.
Income: $50k
Inqs: 4 on all three and 4/2013 was my latest pull.
One 90 day late from 4/2007

Apps: cashRewards and NavCheck

Results: cashRewards instantly approved for $8,500 Sig at 11.9%. I immediately followed that and apped for NavCheck and got instantly approved for the max, $15,000 at 16.9%!!

I opened a checking and savings account less than a month ago with $10 in both accounts.

And if you're wondering why my uti is so high, I was laid off last year... sucked. I found another job then threw myself in the garden.

Thanks for all the invaluable info!!! Back to the garden I go!!!

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all i can say is WOW with 97% uti .... Congrats X2   i wish i could join NFCU but it's no way

[-Wade-]

@smittyboy020.... come on over and join us in the garden and have some fun with us as you garden

[gdale6]

Congrats man, usually impossible to get new credit with that kind of util ratio

[baller4life]

Wow that's incredible!! Congrats!!

[shakalaka]

Awesome - one just have to love NFCU. To bad I cannot join.

Congratz

[CreditMagic7]

NFCU obviously has it going on for it's membership.

Congrats! On an amazing coup de gras!

[alvon123]

WOW!!!!!!!!!!!!!!!!!!!!! Congrats!!! WOW!!!!!!!!!!!!!!!!!!!! AGAIN!!!!!!!!!!

[coldnmn]

Congrats! Thanks for sharing.

[Mellon]

Congrats