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Huge Approval from Navy Federal!

Member

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
Message 1 of 27
26 REPLIES
Valued Contributor

Re: Huge Approval from Navy Federal!

Friggn awesome!

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 27
Regular Contributor

Re: Huge Approval from Navy Federal!

That's amazing! got to love NFCU! 

Message 3 of 27
Super Contributor

Re: Huge Approval from Navy Federal!

Damn. Congrats!

I'm a little jealous.
Message 4 of 27
Frequent Contributor

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: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 5 of 27
Established Contributor

Re: Huge Approval from Navy Federal!

Congrats!
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 6 of 27
Valued Contributor

Re: Huge Approval from Navy Federal!

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


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 7 of 27
Valued Contributor

Re: Huge Approval from Navy Federal!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 8 of 27
Member

Re: Huge Approval from Navy Federal!

Sister is in the Navy

10/15/2012 - 664
12/15/2012 - 684
01/24/2013 - 741
Message 9 of 27
Valued Contributor

Re: Huge Approval from Navy Federal!

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

ccpics2.jpg
Message 10 of 27