cancel
Showing results for 
Search instead for 
Did you mean: 

Thank you Navy FCU!

Regular Contributor

Thank you Navy FCU!

I am one happy ladySmiley Very Happy I woke up to a text message from NFCU saying my UNSECURED n-rewards visa application was approved! I was ready to start the secured option but looks like I won't have to.  I only  have 2 open revolving accounts with very small limits (Cap1-300 and Orchard/Cap1-300). I've paid on time every month for six months so far and Navy Fed gave me $1000. CL. I want to see if they will consider a small increase  to the CL but don't want to seem too greedy. I've read a lot about how generous Navy FCU is and I am trying to rebuild with a current EQ FICO of 579. Do you guys have any advice/tips on how to use this new cc to maximize score and possibly receive auto CLIs from Navy Federal?

 

Want to treat NFCU good!!!

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Message 1 of 21
20 REPLIES
Moderator Emeritus

Re: Thank you Navy FCU!

Congrats!  I'm jealous, I so want to join them!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 21
Super Contributor

Re: Thank you Navy FCU!

Congrats on your card, Use it well and they will treat you good.




Message 3 of 21
New Contributor

Re: Thank you Navy FCU!

No advice, just wanted to say congrats!!!  Good luck on your rebuilding!

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
Message 4 of 21
Established Contributor

Re: Thank you Navy FCU!

Congrats, treat them well and they will treat you even better.

Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Message 5 of 21
Valued Contributor

Re: Thank you Navy FCU!

CONGRATULATIONS!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 6 of 21
Highlighted
New Contributor

Re: Thank you Navy FCU!

Grats!
Experian - 728 | Transunion - 708 | Equifax - 701

NFCU cRewards - $22,000 | NCFU MC - $22,000 | Lowes - $10,000 | DCU Plat Visa - $7,500 | Navcheck - $7,500 | Chase Freedom - $6,000 | Ashley Furniture - $4,800 | Discover IT - $4,500 | Amex BCP - $1,000 | Cap1 QS - $850 | Cap 1 Plat - $700
Message 7 of 21
Regular Contributor

Re: Thank you Navy FCU!

Thanks to all for the congrats. Any advice anyone????

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Message 8 of 21
Established Contributor

Re: Thank you Navy FCU!

Congrats

Message 9 of 21
Regular Contributor

Re: Thank you Navy FCU!

Awww congrats! I wouldn't push it with a CLI just yet. I would be soooo good about paying in full for a few months then hit them with the 'gimme more' button. I just did a post for NFCU love. They are an incredible institution if you can get in. I am both a member of USAA and NFCU. Are there better products? Of course. But nobody takes better care of their members. Nobody. *slap five* 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
Message 10 of 21