11-14-2012 12:04 PM - edited 11-15-2012 10:30 AM
Down to one baddie left but not going to mess with it being it falls off in 5 mos. Started wtih 7 derogs with zero credit history. Tonight I will request my secured card with NFCU be unsecured as well as an APR decrease. Hoping for a 5k limit.
I also have a BOFA secured card but Im going to wait and see how the NFCU account turns out and after they report I'll hit up BOFA. Not going to get too excited about BOFA though if im lucky and I mean lucky they are likely to give me my 300.00 back and increase the limit to 1,000 but I wont count on it.
Im going to close (PUTTING FLAME SUIT ON) my first premier card. This card is actually a secured card that only has a 50.00 year fee but surprisingly they didnt charge it at the year mark last month and there are no other fees despite the horrific reviews people give here.
If everything goes well with NFCU ill also apply with Chase freedom and walmart and thats it until that last derog falls off then who knows.
Someone get me some anti itch cause I dont want to keep scratching it! lol
****UPDATE**** NFCU approved for 5000.00. They asked how much I wanted I told them 5000.00
11-14-2012 12:14 PM
Amazing progress you've made there rootpooty!!!
Good Luck with NFCU... I sense that it will have a very positive outcome!
11-14-2012 12:19 PM
I am happy for you thats a gr8 accomplishment and you should be proud of yourself 501-689 wonderful. I love nfcu i know you have been waiting patiently for this day to come. I am rooting for you big time!
11-14-2012 12:39 PM
|Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)|
Starting total revolving credit: $1100 | Current total revolving credit: $7000
Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013
|AMEX Gold NPSL|
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
11-14-2012 12:44 PM
11-14-2012 12:52 PM
that's great =) nice to see others getting huge jumps in scores in a short time. in 2 months try to dispute the items as obsolete they'll often remove early if it's close enough I was even worse than you last year =)
11-14-2012 03:00 PM
nice work!!! I hope to see similar results come Feb (My 12 mo. mark)
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