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Regular Contributor
Posts: 214
Registered: ‎08-02-2012
0

NFCU approval!!! *faints*

Woke up this morning to the following message:

 

Congratulations! Based on your creditworthiness, you have been approved for a Signature cashRewards Visa credit card. Your new credit line will be $5,000.00. I applied yesterday morning and it took less than 24 hours for approval. I am ecstatic!!!! This is THE CARD I had dreamed of having. With my USAA Mastercard this completes the two major credit card requirement I gave myself.  Now, I really would like a Macys or Nordstrom or some type of major department store card to add to my growing credit card slots in my wallet but honestly I am so happy I am almost numb.

 

For those who really don't think it can be done. Let me tell you, it is possible to achieve your goals if you are diligent and really work at being responsible and understanding how the scoring works. Three months ago, my wallet was empty and my scores were in the toilet. Now I am right at the cusp of the 7s and hope to be in the 8's by this time next year. I hope this helps and encourages someone out there the way the forums have helped me. Thank you, thank you, thank you myfico family!

 

I do plan on loving on my NFCU Smiley Wink

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
0

Re: NFCU approval!!! *faints*

 

CONGRATS!  Sort of what I figured but much faster than I expected, awesome CU and TL !  

 

Welcome to NFCU! 

Valued Member
Posts: 26
Registered: ‎09-15-2012
0

Re: NFCU approval!!! *faints*


beautybrainsbooty wrote:

Woke up this morning to the following message:

 

Congratulations! Based on your creditworthiness, you have been approved for a Signature cashRewards Visa credit card. Your new credit line will be $5,000.00. I applied yesterday morning and it took less than 24 hours for approval. I am ecstatic!!!! This is THE CARD I had dreamed of having. With my USAA Mastercard this completes the two major credit card requirement I gave myself.  Now, I really would like a Macys or Nordstrom or some type of major department store card to add to my growing credit card slots in my wallet but honestly I am so happy I am almost numb.

 

For those who really don't think it can be done. Let me tell you, it is possible to achieve your goals if you are diligent and really work at being responsible and understanding how the scoring works. Three months ago, my wallet was empty and my scores were in the toilet. Now I am right at the cusp of the 7s and hope to be in the 8's by this time next year. I hope this helps and encourages someone out there the way the forums have helped me. Thank you, thank you, thank you myfico family!

 

I do plan on loving on my NFCU Smiley Wink


Congrats ! Big jump Smiley Very Happy Smiley Very Happy

Regular Contributor
Posts: 214
Registered: ‎08-02-2012
0

Re: NFCU approval!!! *faints*

@Ryvison YOU were totally on the money with this one. Not sure how you knew but you were so very right!

 

Do you think I need to apply for anything else with them right now? I see a lot of people also get a line of credit too when they go for the CC. I mean I am ridiculously happy regardless, but the freeze goes on in less than 24 hours for the credit reports. What do you think??

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
New Contributor
Posts: 90
Registered: ‎08-06-2012
0

Re: NFCU approval!!! *faints*

Congratulations!!!

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: NFCU approval!!! *faints*

Congrats

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: NFCU approval!!! *faints*


beautybrainsbooty wrote:

Woke up this morning to the following message:

 

Congratulations! Based on your creditworthiness, you have been approved for a Signature cashRewards Visa credit card. Your new credit line will be $5,000.00. I applied yesterday morning and it took less than 24 hours for approval. I am ecstatic!!!! This is THE CARD I had dreamed of having. With my USAA Mastercard this completes the two major credit card requirement I gave myself.  Now, I really would like a Macys or Nordstrom or some type of major department store card to add to my growing credit card slots in my wallet but honestly I am so happy I am almost numb.

 

For those who really don't think it can be done. Let me tell you, it is possible to achieve your goals if you are diligent and really work at being responsible and understanding how the scoring works. Three months ago, my wallet was empty and my scores were in the toilet. Now I am right at the cusp of the 7s and hope to be in the 8's by this time next year. I hope this helps and encourages someone out there the way the forums have helped me. Thank you, thank you, thank you myfico family!

 

I do plan on loving on my NFCU Smiley Wink


CONGRATS!!!!

 

Awesome CL!! well on your way to bigger CL's!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
0

Re: NFCU approval!!! *faints*


beautybrainsbooty wrote:

@Ryvison YOU were totally on the money with this one. Not sure how you knew but you were so very right!

 

Do you think I need to apply for anything else with them right now? I see a lot of people also get a line of credit too when they go for the CC. I mean I am ridiculously happy regardless, but the freeze goes on in less than 24 hours for the credit reports. What do you think??


 

Sorry I'm late getting back to you about that, I was pulled away from the comp with MyFico running (that happens a lot).  I read elsewhere you went for the LOC at 2k, I'm sure you got it if not you most likely will, considering how much you sent into them. 

 

Is there something else you really needed from them?  Like auto loan or refi?  After the joint Plat at 15k and individual CashKermit at 3k I didn't apply for anything else myself.  The pre-approval for an auto loan showed up for me on screen and came in the mail the other day but don't need it.

 

Remember, whatever else you ask for from them, will likely end up in more pulls.  Only request what you think you need above the LOC and CC.  Take care of NFCU and they'll grow with you.

Regular Contributor
Posts: 214
Registered: ‎08-02-2012
0

Re: NFCU approval!!! *faints*

@ryvision thank you so much! Advice will be heeded Smiley Wink

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Regular Contributor
Posts: 369
Registered: ‎02-01-2010
0

Re: NFCU approval!!! *faints*

Very nice....congrats!

Meg.

FICO: 03/2015 - TU 768 | EQ 783 | EX 775

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