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Established Member
Posts: 10
Registered: ‎03-01-2017
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Established Member
Posts: 15
Registered: ‎12-13-2015


[ Edited ]

ZachBriscoe As far as income et al.

I've been a faithful govt. employee for 25 years. Looking to retire in the next 5 years. Got caught up in the need to go back to school (ms/ma) to get ahead game. Wasn't really the right game actually. The bottom fell out in 2008 and defaulted on my student loans. My bad. Knowingly. It took a bit of time but got a promotion that bumped my salary over $100k and was able to kill off the defaulted SL's. Saved some cash, got 3 cards,  and then bought a new car last year because of the increased FICO score. The roof on my house took a bad turn and I ended up getting a whole new roof. Maxed the cards I got in that year to pay for it. The score took a hit as well but knew I'd be ok in the long haul. Was able to pad the CC payments a lot and waited. Tried to get CLI's on my Chase and Capitol1 but no luck. My Discover shows 0 bal but had that CL diminshed in the last couple months because of inactivity. My total Util was 85% too. As stated before my FICO scores EX &TU are 665 with EQ being 640. I needed a way to decrease my util and look more acceptable for a premier mortgage for a retirement house in the next 3 years.

New Contributor
Posts: 74
Registered: ‎02-26-2016
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NFCU is on a madd roll today!  I love it!  Congrats and enjoy.



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