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CCCU Update - Accepted with a BK & 642 Experian

Regular Contributor

CCCU Update - Accepted with a BK & 642 Experian

I asked for 5k but got a counter-offer for 1k. I took it. It took 9 days and I got an email from the Assistant Vice President at the Lending Center.
Scanned the app he sent me and scanned my power bill and sent them via email in pdf format.That's all he asked for.
 
I finally have a non-starter card! yay! Smiley Very Happy
 
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 1 of 31
30 REPLIES
Super Contributor

Re: CCCU Update - Accepted with a BK & 642 Experian

Congrats.  You are on the way!!!!!!
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 2 of 31
Established Contributor

Re: CCCU Update - Accepted with a BK & 642 Experian

Finally some good news today!!!  congrats!
9/18/08 TU=707 EQ=706 EX=702
Message 3 of 31
Established Contributor

Re: CCCU Update - Accepted with a BK & 642 Experian

Bruiser,
Did you have to open a savings or checking with them? And was that 9 days the original time it took or was this a re-consider?
9/18/08 TU=707 EQ=706 EX=702
Message 4 of 31
Valued Member

Re: CCCU Update - Accepted with a BK & 642 Experian

congrats!!!!!!!!
Message 5 of 31
Regular Contributor

Re: CCCU Update - Accepted with a BK & 642 Experian

he hasn't asked me to open a checking or savings account with them
i assume i become a member once i get the card and activate it
 
it was 9 days since i applied online and recieved an offer
first response i got from someone besides over the phone and how it's taking them longer than usual
it was not a re-consider
 
my amex delta is still pending its recon by letter, i'm not expecting anything on that
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 6 of 31
Established Contributor

Re: CCCU Update - Accepted with a BK & 642 Experian

yeah...AMEX declined my HH card...Smiley Sad But i got the Delta...and then I got Smiley Mad at the bunk excuse they gave me...so I applied for the Starwood...hehe ....take that! AMEX Smiley Very Happy
9/18/08 TU=707 EQ=706 EX=702
Message 7 of 31
Frequent Contributor

Re: CCCU Update - Accepted with a BK & 642 Experian



so_confused wrote:
yeah...AMEX declined my HH card...Smiley Sad But i got the Delta...and then I got Smiley Mad at the bunk excuse they gave me...so I applied for the Starwood...hehe ....take that! AMEX Smiley Very Happy


Amex declined me my first apply for HHoners.....and then i applied 2 days later, and they approved me.....go figure. Whats the status of your Starwoods. Got 2 of mine today......Starwoods should be here next week.
 
 
Go Get Em so_confused!!!!!!!!!!!!
Message 8 of 31
Established Contributor

Re: CCCU Update - Accepted with a BK & 642 Experian

they gave me in process check in 24 hrs...on the starwood. Is that another way of saying NO WAY deadbeat!
9/18/08 TU=707 EQ=706 EX=702
Message 9 of 31
Frequent Contributor

Re: CCCU Update - Accepted with a BK & 642 Experian



so_confused wrote:
they gave me in process check in 24 hrs...on the starwood. Is that another way of saying NO WAY deadbeat!



NOPE....thats what they did on my starwoods app....approved it 2 days later


Message Edited by flygirl on 06-28-2007 08:26 PM
Message 10 of 31