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Regular Contributor
TryN2Rebuild
Posts: 155
Registered: ‎04-14-2009

Re: USAA

Your secured card with USAA graduated? I didn't think those cards did that.

Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010

Re: USAA

Sorry, it was the NFCU Card that graduated after one year.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Frequent Contributor
jdirilo
Posts: 331
Registered: ‎08-27-2012

Re: USAA

My scores are worse than yours(CreditKarma shows my TU as 576) and my other two are lower. And I just opened an NFCU account and was approved for an unsecured CC for $500. I didn't think I would get approved, but everyone on here was saying they were very generous, so I gave it a shot. 

Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010

Re: USAA

NFCU has only pulled EQ for my applications.  I've heard of them pulling EX but I think that might be because the inherited a contract from their acquisition of another CU a year or two ago.  So the EQ FICO is the thing to look at.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: USAA

Thanks for the info everyone.....I joined NFCU and PSECU. I have not applied for a card as of yet...I recieved a BofA card last month with a 3K CL ( think they were generous bcuz I have an IRA with them from my previous employer) I am trying to get other baddies off before I apply for a CC or refinance our truck at either CUs. However, I know FAKOs are worthless but I started out joining this forum Aug 8 2012 with FAKO scores EX  565 EQ 550 TU 602 and know they are EX 633 EQ 633 and TU 674. Cant get my EX FICO yet from PSECU since I just joined this month but I think by December and working to remove 3 of the 5 baddies left on my Credit report I should be high 600s maybe 700. 

 

Thanks again everyone!

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013

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