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First Ever NFCU CLI

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haveus33nm3
Contributor

First Ever NFCU CLI

I took CA's advice - fought tooth and nail to get my EQ over 600 and waited for quarterly AR and applied for CLI today. I have been with Navy since May and never could get a CLI. Tried this morning and was down in the dumps because I got the usual 3-5 message instead of the approval/counter message that I see so many of you talk about. I logged in just now to pay my bill, and saw my CL increased from $500 to $1000.

 

A small bright spot in my blight of credit issues. Progress is progress though, even though lately it has felt like one step forward, two steps back. 

 

Calvary is suing me for an old Orchard debt that was scheduled to fall off my CRs in May of this year. I hadn't tackled it and it turned around and bit me in the butt. A $424 debt snowballed to $1470. I was able to talk the attny's office down to half, but I have to pay $735 within 30 days or they continue with the court case. The credit department at Navy probably has no idea, but they made this chick's day.

 

EQ 616 TU 638 EX 642 - MyFICO 4/2015

previously: EQ 578 TU 613 EX 614 - MyFICO 2/2015
Message 1 of 10
9 REPLIES 9
Anomalous
Senior Contributor

Re: First Ever NFCU CLI

Congratulations on the cli from Navy!

 

Hope you get the Orchard issue resolved quickly.  However, I am curious as to know what your state's SOL is for credit card debt?

Keep both your credit and your body in top shape!

Message 2 of 10
mossmanb5
Established Contributor

Re: First Ever NFCU CLI

congrats

72 cards and done 312,800 in available credit
0.5% uti / 2.2 aaoa
eq 698 / ex 712 / tu 729


inqs= eq 48 / ex 35 / tu 15
Message 3 of 10
haveus33nm3
Contributor

Re: First Ever NFCU CLI

 

@Anomalous wrote:

Congratulations on the cli from Navy!

 

Hope you get the Orchard issue resolved quickly.  However, I am curious as to know what your state's SOL is for credit card debt?


I am in GA. The SOL is 7 years.

EQ 616 TU 638 EX 642 - MyFICO 4/2015

previously: EQ 578 TU 613 EX 614 - MyFICO 2/2015
Message 4 of 10
Anomalous
Senior Contributor

Re: First Ever NFCU CLI


@haveus33nm3 wrote:

 

@Anomalous wrote:

Congratulations on the cli from Navy!

 

Hope you get the Orchard issue resolved quickly.  However, I am curious as to know what your state's SOL is for credit card debt?


I am in GA. The SOL is 7 years.


Gotcha!

Keep both your credit and your body in top shape!

Message 5 of 10
gdale6
Moderator Emeritus

Re: First Ever NFCU CLI

Grats on your CLI Smiley Happy

Message 6 of 10
chalupaman
Super Contributor

Re: First Ever NFCU CLI

Congrats! Thanks for sharing.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 7 of 10
Anonymous
Not applicable

Re: First Ever NFCU CLI

Congrats..

Message 8 of 10
Anonymous
Not applicable

Re: First Ever NFCU CLI

Grats.

Message 9 of 10
Anonymous
Not applicable

Re: First Ever NFCU CLI

Congratulations! Good luck with the legal issue.

Message 10 of 10
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