12-18-2012 12:30 PM
It's been a great day today! I was approved today for an NFCU membership and I decided to apply for the Visa Signature Rewards Card and try to refinance my car. Luckily, I was approved for BOTH! I received a $17,500 CL on the Visa and I refinanced my car at 4.29%. I've been in the process of rebuilding my credit for the last year. The weird thing is that my scores aren't that great (661 Equifax FICO, 605 Exp FAKO, 600 TU FAKO). I know NFCU pulled my EQ Fico for the CC and Auto Loan, but I didn't except such a high credit limit or that good of a rate for my refi. I guess my income helped (78k). I even called backed after I left one of the DC branches to make sure the limit that I wasn't given was correct and the rep verified it for me... Another reason I'm so excited is because I app'd on Friday 12/14 for a CLI on my USAA Amex and applied for a Nordstrom store card and was denied for both *USAA pulled EQ and Nordstrom pulled all 3 reports*. I'm feeling so lucky today, I almost want to try to app for a Walmart Card since I read that there not to hard to get approvals for... Well anyway, just wanted to say thanks to all the posters who post in these forums for all the tips! It's been really helpful these past couple of months in helping me improve my score.
12-18-2012 12:32 PM
Congratulations to you and welcome to the NFCU family!!
12-18-2012 12:33 PM
Congratulations! It feels great to get those approvals after working so hard to rebuild.
12-18-2012 12:35 PM
Awesome CL!!! Congrats!! NFCU is a GREAT CU! Welcome to the NFCU family!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.