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02-08-2013 07:00 PM
Hi everyone..It's been a while since I've posted and I wanted to share my progress...
I had been faithfully using my FNBO secured card since July 2011, making sure to keep balances low and PIF every month. After I completed my bk payments, I sent in a $200 dep to increase my limit and they HP'd me for it. I was livid but they doubled the amount of my dep and added $400 to my limit so it eased the blow a bit. About a month later, FNBO sent a pre-approval for their unsecured card. I called in to ask a CSR if they would HP me again, if I returned the unsecured app. The CSR said yes which made me hesitant to app right away so I decided to sock drawer my app for a bit until I received my bk discharge. After finally receiving discharge, the reality of being out of "financial prison" for the first time in years scared the crap out of me. I didn't know which way to go with my new found freedom for fear of making the wrong move. I just kept reading and researching these forums. I finally decided to app with NFCU for membership and cash rewards CC. I was approved the same day with a $500 limit. I was surprised since I've read that they like to see two accounts post BK and I only had the one secured acct. This gave me just the confidence boost I needed to return my FNBO application. It seemed like the manual review took forever but I was approved with a $2300 limit! I couldn't believe it so I just wanted to share this. Luckily, I did not have to start with the usual Cap1's, Credit1's or FP's. I'm so happy. I know the NFCU will grow so I can't complain about that at all. I am gardening these a bit to try and get a good increase in my scores for a mortgage loan but I just wanted to tell others in my shoes--there is life after BK.
02-08-2013 07:43 PM
Congrats on your progress and approval. The myFICO member fairies are here for you too
02-08-2013 07:49 PM
Well done keep up the good work
02-08-2013 07:55 PM
Congrats!! The NFCU acct will treat u wonderfully!