Credit Unions Rock!! CCCU and Navy FCU

[SpecFile]

Thanks for the link phu.

[Anonymous]

That's awesome Phumanr,

Unfortunately, for me CCCU just denied me. Tammy (she was very nice, I must say) said my score wasn't bad (Ex. 631) but I didn't have any positive card.......no revolving charge cards, no installement loans.......etc. Plus, I do still have a few dings on my Experian (no bk on Experian).

I guess I've been focusing too much on just removing negative information and  not enough on adding any positive. Now I know............so I'm working on it.

[Anonymous]

lol you are right Tammy is very nice. She told me very nicely that I am declined

My EXP score was 664. She told me that after 6 months if I apply she would

approve me. She told me only reason is that I dont have enough debt

experience. I told her I just have 25 credit cards. I guess I should apply

for 25 more credit cards and then I will have enough debt experience

Message Edited by ashabbir1 on 11-15-2007 12:14 PM