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Valued Contributor
09Lexie
Posts: 6,777
Registered: ‎09-13-2012

Re: NFCU CC Chances

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‎02-07-2013 01:44 PM

Thats awesome! Congrats


Starting Score: 600's
Current Score: Exp Plus 743 04/13; 707 LP Discover 01/13 ; 733 05/13, 693 04/13, 703 03/13, 02/13, 702 TU WalMart 01/13; 702 EX LP 11/12; EQ 699 MyFico 01/13, EQ 699 11/12, CS 714 03/13
Goal Score: 800
Message 21 of 54 (568 Views)
 
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Established Contributor
j_casteel
Posts: 1,024
Registered: ‎06-21-2012

Re: NFCU CC Chances

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‎02-07-2013 01:55 PM

congrats on the card and welcome to NFCU.

| AMEX Zync PSL | Walmart $900 | Cap1 Green $1.5k | Amazon $1.35k | NFCU Visa Sig $10k | NavChek $15k | NFCU Flagship Visa $5k | Lowe's $1.2k |
Starting Score:TU:597 EQ:571 7/5/12 (joined myFICO & SW)
Current Score: EQ:653 (ScoreWatch) EX:685 (Amex app) TU:681 (Walmart)
Goal Score: 700
Proud to say that ALL past due debt has been paid and I never declared BK!!
Message 22 of 54 (564 Views)
 
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Established Member
PNYKILR
Posts: 28
Registered: ‎02-26-2012

Re: NFCU CC Chances

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‎02-07-2013 02:45 PM

PresidentPatton wrote:

So I went ahead and tried it since ya'll were confident I didn't need to wait...OMG!!! I'm about to have a heart attack!!! Instantly approved for $6k! OMG, before I messed everything up I couldn't even get a card with history up past $2500. I am in complete shock and am hoping this will help my credit score! My only CC I have now is a Cap1 Secured for $200 but wow! Look at me now!

Did you app online or in a branch? I would have app'ed along time ago but couldn't do to me waiting to close on a house. closing tomorrow so this weekend I'm applying. 

NFCU Cash Rewards Sig $10k, NFCU Flagship $7.5K, NFCU LOC $7,500
Discover IT $1k, Barclays MC Rewards $1,500, Capital One $1,500, Orchard Bank $500


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Regular Contributor
Kartel34
Posts: 157
Registered: ‎05-01-2008

Re: NFCU CC Chances

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‎02-07-2013 03:12 PM

Great job on the approval ! if you don't mind me asking what type of baddies do you have? Collections , CO ? Because I have two items in collections ( one will drop off do to PFD) still working on the other. An a couple of charge offs.

Message 24 of 54 (533 Views)
 
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Established Contributor
MountainHiker
Posts: 644
Registered: ‎08-07-2012

Re: NFCU CC Chances

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‎02-07-2013 04:20 PM

PresidentPatton wrote:

So I went ahead and tried it since ya'll were confident I didn't need to wait...OMG!!! I'm about to have a heart attack!!! Instantly approved for $6k! OMG, before I messed everything up I couldn't even get a card with history up past $2500. I am in complete shock and am hoping this will help my credit score! My only CC I have now is a Cap1 Secured for $200 but wow! Look at me now!

WOW!! Congrats to you. I must say, you make me want to apply but I have one collection on my file that falls off in march.Good on you.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 25 of 54 (522 Views)
 
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Frequent Contributor
Scupra
Posts: 286
Registered: ‎07-12-2012

Re: NFCU CC Chances

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‎02-07-2013 05:20 PM

Do you know what report they pulled?


Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
FICO EQ 06/2013: 649 EQ
FICO TU 06/2013: 642 TU
FAKO Experian.com 05/2012: 650 EX
Cards: $500 NFCU secured - $7k NFCU cashRewards - $2k Cap1 Plat
Message 26 of 54 (509 Views)
 
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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: NFCU CC Chances

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‎02-07-2013 05:27 PM

searchingfor67 wrote:

My wife has scores similar to yours, and they approved her for a nRewards card with a $1K limit...

you sound like your complaining especially since those scores usually won't get approved for ANY kind of card....


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 27 of 54 (504 Views)
 
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Valued Contributor
starry1
Posts: 1,052
Registered: ‎11-29-2012

Re: NFCU CC Chances

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‎02-07-2013 07:05 PM

Whoa, that's an awesome CL! Congrats!
Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 05/19/13 TU 600; EQ 625; EX 610 fako
Goal Score:  625 for now– New goal 675

Cap1 sec $250 / FP $300 / Fingerhut $300/ NFCU nRewards $500 (last app 5/23/13)
Message 28 of 54 (484 Views)
 
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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: NFCU CC Chances

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‎02-07-2013 07:55 PM

PresidentPatton wrote:

So I went ahead and tried it since ya'll were confident I didn't need to wait...OMG!!! I'm about to have a heart attack!!! Instantly approved for $6k! OMG, before I messed everything up I couldn't even get a card with history up past $2500. I am in complete shock and am hoping this will help my credit score! My only CC I have now is a Cap1 Secured for $200 but wow! Look at me now!

lol I felt high for a few days after I saw YOU ARE APPROVED FOR $17,000 APR PRIME PLUS RATE OF 4.99%  my score was about 760 then but limited history and I only had 2 secured cards and a Kays jeweler card at the time lol

 

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 29 of 54 (475 Views)
 
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New Contributor
PresidentPatton
Posts: 64
Registered: ‎01-18-2013

Re: NFCU CC Chances

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‎02-08-2013 07:04 AM

Thanks Everyone! I'm still excited about this!

 

@PNYKILR - I applied online, good luck; let us know how it goes and congrats on the new house!

 

@Kartel34 - I have a few COs, a few CAs (one in dispute status), two defaulted SLs, and several Medical Bills which are with CAs too. All of which I am working on getting cleaned up.

 

@MountainHiker - As you can see above I have collections on my report and still got approved! Go for it!

 

@Scupra - I don't know at this time but as soon as I get the paperwork I'll let you all know.

PresP
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: For now just get approved for FHA 7/13

Cards: Cap1 Secured - $200; NFCU $6k
Message 30 of 54 (420 Views)
 
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