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Frequent Contributor
CreditJunkie917
Posts: 399
Registered: ‎01-08-2013

NFCU LOVE!!!!!

So for the past 4 months I have been rebuilding my credit. I'm currently deployed, so alot of this was going to have to be done through my wife, which had POA. Just in the past month, I have been able to have a solid ground on paying off my debts, joined NFCU, was able to get their Cash Rewards, card ($1K), bought a vehicle this week($3700 loan @ 5.29%/48month), and just pushed the luv button to increase my limit to $2K as of yesterday. If anyone has the opportunity to join, I HIGHLY RECOMMEND IT!!!...They are very generous to their members, even the ones with less than stellar credit like myself!!!! This couldn't have been possible without all the great forums and advice everyone has given on here!!!

 

CAP1 SECURE-$200

CAP1 CR-$750

NCFU CR-$2K

 

MY FICO TU-637, EQ-643, EX(QUIZZLE)-641---as of 4/24/13

started-EQ:642,EX:567,TU:552(JAN 2013)

 

 

 

Amex Plat.(NPSL) Amex PRG(NPSL), Amex BCE($6K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($14.4K), USAA Amex($7K), USAA World MC($7K), CSP($5K), Chase Marriott($5K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200)
Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567
Current Scores(June 15, 2014): FICO EQ: 685, TU: 703, EX: 685
In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!



Valued Contributor
madmann26
Posts: 1,401
Registered: ‎08-30-2012

Re: NFCU LOVE!!!!!

Congrats!!!

 

Treat them well and they will treat you well.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Contributor
Zelaya
Posts: 106
Registered: ‎03-05-2013

Re: NFCU LOVE!!!!!

Congratulations!! did you get a HP for your credit increase?

Frequent Contributor
CreditJunkie917
Posts: 399
Registered: ‎01-08-2013

Re: NFCU LOVE!!!!!

yeah, i got the 3-5 day message. They pulled TU, but it's ok, cause it's only my 2nd HP. It's totally worth the pull. I'm done app'ing for the rest of the year. I'm happy!! :-)

Amex Plat.(NPSL) Amex PRG(NPSL), Amex BCE($6K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($14.4K), USAA Amex($7K), USAA World MC($7K), CSP($5K), Chase Marriott($5K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200)
Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567
Current Scores(June 15, 2014): FICO EQ: 685, TU: 703, EX: 685
In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!



Established Contributor
CashOnDelivery
Posts: 502
Registered: ‎04-17-2013

Re: NFCU LOVE!!!!!

Congrats! Gotta love NFCU!


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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New Contributor
hausfrau
Posts: 178
Registered: ‎04-06-2013

Re: NFCU LOVE!!!!!

We should start a fan club.

Starting my rebuild!


Mega Contributor
Creditaddict
Posts: 18,514
Registered: ‎10-23-2007

Re: NFCU LOVE!!!!!


hirkj wrote:

yeah, i got the 3-5 day message. They pulled TU, but it's ok, cause it's only my 2nd HP. It's totally worth the pull. I'm done app'ing for the rest of the year. I'm happy!! :-)


I might go back and ask to go to $5k... Unless they have you at a new hard $2k internal the system should give you an instant approval, or counter and that would be the new hard internal vs. go for another review.  A Poster just the other day was posting about asking for $500, then another $500... I said to ask for $20k!, they did $17k, the system countered back $10k.... think with the 3 $500 requests they were at about $6k.... so you see asking big was better! :smileyhappy:

 

But SUPER congrats either way!

Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
madmann26
Posts: 1,401
Registered: ‎08-30-2012

Re: NFCU LOVE!!!!!


Creditaddict wrote:

hirkj wrote:

yeah, i got the 3-5 day message. They pulled TU, but it's ok, cause it's only my 2nd HP. It's totally worth the pull. I'm done app'ing for the rest of the year. I'm happy!! :-)


I might go back and ask to go to $5k... Unless they have you at a new hard $2k internal the system should give you an instant approval, or counter and that would be the new hard internal vs. go for another review.  A Poster just the other day was posting about asking for $500, then another $500... I said to ask for $20k!, they did $17k, the system countered back $10k.... think with the 3 $500 requests they were at about $6k.... so you see asking big was better! :smileyhappy:

 

But SUPER congrats either way!


Yep, that was me. :smileyvery-happy:

 

It's a chance either way.

 

Good luck and report back!

 

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Frequent Contributor
CreditJunkie917
Posts: 399
Registered: ‎01-08-2013

Re: NFCU LOVE!!!!!

I did this online, as I'm deployed and there's also the time difference...would it make more sense for me to go back online and ask up to $5k and wait, or have my wife call it in or go into a branch?...I don't want to use up HP's seeing as NFCU is HP happy...
Amex Plat.(NPSL) Amex PRG(NPSL), Amex BCE($6K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($14.4K), USAA Amex($7K), USAA World MC($7K), CSP($5K), Chase Marriott($5K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200)
Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567
Current Scores(June 15, 2014): FICO EQ: 685, TU: 703, EX: 685
In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!



Frequent Contributor
CreditJunkie917
Posts: 399
Registered: ‎01-08-2013

Re: NFCU LOVE!!!!!

I did this online, as I'm deployed and there's also the time difference...would it make more sense for me to go back online and ask up to $5k and wait, or have my wife call it in or go into a branch?...I don't want to use up HP's seeing as NFCU is HP happy...What would be your recommendation for cli given my scores I stated above??
Amex Plat.(NPSL) Amex PRG(NPSL), Amex BCE($6K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($14.4K), USAA Amex($7K), USAA World MC($7K), CSP($5K), Chase Marriott($5K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200)
Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567
Current Scores(June 15, 2014): FICO EQ: 685, TU: 703, EX: 685
In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!




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