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Established Contributor
Posts: 961
Registered: ‎12-21-2010
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Re: Kinda depressed about NFCU

Your score seems very low with no Collections.....
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Valued Contributor
Posts: 1,468
Registered: ‎08-30-2012
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Re: Kinda depressed about NFCU

I can prove it if it makes a difference.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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Community Leader
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
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Re: Kinda depressed about NFCU

What the other members here are hinting at is that there is something on your credit report that is hurting your score.  You need to find what it is and fix it.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Community Leader
Valued Contributor
Posts: 2,344
Registered: ‎11-29-2012
0

Re: Kinda depressed about NFCU

No one is calling you a liar, they're just saying there's something on your reports and you should probably take a look and see if you can fix it. Your scores are the same as mine and I have a brand new bk reporting.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Valued Contributor
Posts: 1,468
Registered: ‎08-30-2012
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Re: Kinda depressed about NFCU

I've been working on rebuilding since August 2012.

 

I've taken care of all my outstanding balances on everything and have been sending GW's like  no tomorrow.

 

I wasn't denied because of a low score. I called NFCU on my way home yesterday and they told me that the reason that I was denied was because they didn't rate me very on on their scale of "ability to repay if all my cards were maxed out".

 

Maybe it has something to do with my past credit issues, who knows. I've sent them my pay stubs/w2's for proof and all they could say was they encouraged me to do the appeal process.

 

It's discouraging and frustrating and I know that with time, things will change.

 

Thanks for the thoughts on this everyone.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
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Regular Contributor
Posts: 211
Registered: ‎03-07-2013
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Re: Kinda depressed about NFCU

[ Edited ]

3K to 7K is a large jump. I recenty put in a CLI at BoA and only asked for $7,500 when I was already at $5,000. It was approved instantly.

 

Don't be discouraged, just keep up the good work and it will pay off


EQ 733 3/3/13 GOAL: 800 Merrill Lynch Merrill+ $12,500 | AMEX BCE 6K | AMEX PRG NPSL | CSP 6K | Freedom 5K | Discover IT 5K | HVFCU 10K | American Eagle Visa 5K | Citi Thank You Preferred 6,100

In the garden since 4/22/13 | Hating on Capital One since '09
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
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Re: Kinda depressed about NFCU

I belive you, my question was are they reporting as paid collections or are they just not rep[orting as all, its better to have them,  not on your report vs showing as being paid

Valued Contributor
Posts: 1,468
Registered: ‎08-30-2012
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Re: Kinda depressed about NFCU

 


john398 wrote:

I belive you, my question was are they reporting as paid collections or are they just not rep[orting as all, its better to have them,  not on your report vs showing as being paid


They are not reporting at all.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 1,468
Registered: ‎08-30-2012
0

Re: Kinda depressed about NFCU

I just updated the scores in my sig.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Kinda depressed about NFCU

In my opinion you just need to give it time, let those baddies age, and focus on building your relationship. 3k is a decent CL for your score, it will grow over time but you have to just give it time... You haven't had the card very long, so just give it time.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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