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Member
onitapgr
Posts: 8
Registered: ‎12-16-2012

Huge Approval from Navy Federal!

Let me give you a timeline....

 

12/3/12 - Joined MyFico - Got power report

I have 5 credit cards, $8,500/$12,500 cc utilization = 68%, 3-year-old $104k mortgage, $32k in school loans, oldest account is 11 years, never had a late payment, judgement, or anything negative

Myfico score = 677

 

during December

- got $8k personal loan from bank - paid off $6,500 in credit cards

- my car died.....Bought 2009 Toyota for $13,500 - paid $1,500 down from personal loan above, and financed $12,000 with Wells Fargo @ 4.99% for 60 months

- One of my credit cards lowered my credit limit from $1,800 to $500 because of my 2 recent inquiries (so they claimed...whatever)

 

1/23/13 - Got power report

5 credit cards, $2,000/$11,000 cc utilization = 18%, 3-year-old $103k mortgage, $32k in school loans, $8,000 personal loan, $12,000 auto loan

Myfico score = 741

 

1/24/13 - Applied for Navy Federal Cash Rewards card, I make $60k a year

Approved over the phone for $17,000 credit limit!!!!!!  Holy s***!!  Was expecting a few grand maybe!

 

10/15/2012 - 664
12/15/2012 - 684
01/24/2013 - 741
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Re: Huge Approval from Navy Federal!

Friggn awesome!

Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012

Re: Huge Approval from Navy Federal!

That's amazing! got to love NFCU! 

Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Huge Approval from Navy Federal!

Damn. Congrats!

I'm a little jealous.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

Re: Huge Approval from Navy Federal!

amazing! Great job!!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012

Re: Huge Approval from Navy Federal!

Congrats!
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: Huge Approval from Navy Federal!

Wow congrats thats huge! How did you become a member?


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Huge Approval from Navy Federal!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Member
onitapgr
Posts: 8
Registered: ‎12-16-2012

Re: Huge Approval from Navy Federal!

Sister is in the Navy

10/15/2012 - 664
12/15/2012 - 684
01/24/2013 - 741
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: Huge Approval from Navy Federal!

Wow that's pretty awesome!!! What a difference a month makes!!

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