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Established Contributor
Posts: 573
Registered: ‎10-21-2012
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30+ point jump in just 3 weeks! Yay! ...and a question

So, I had a 584 to start and now just got a score watch alert that I am at 618!  What changed is that I got my ex's charged off Discover off of my CR (was never an AU or anything...not sure why it was there) and applied for an got a NFCU Cash Rewards CC with a $5k credit line.   One thing I'm curious about though is that it doesn't look like NFCU reported my limit.  Is that just because it's the first time they have posted it?  Would it be better if they put the credit limit, esp since it's fairly high?  How else would they calculate your ratio?


Next step to start working on the collections...


Smiley Happy

Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board

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Established Member
Posts: 74
Registered: ‎07-10-2012
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Re: 30+ point jump in just 3 weeks! Yay! ...and a question

NFCU gave you a 5k limit with those scores?! I have GOT to establish a relationship with them lol
Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
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Re: 30+ point jump in just 3 weeks! Yay! ...and a question

Congrats on both the score increase and approval through NFCU!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor
Posts: 601
Registered: ‎02-12-2011
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Re: 30+ point jump in just 3 weeks! Yay! ...and a question

Hang in there, they will report the limit probably when your first statement drops so they can report the utilization as well. The initial reporting to the CRA's was just adding their account to your portfolio. The 5k will definitely help with your current utilization and should show you a nice improvement! Congrats!

Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700

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Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
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Re: 30+ point jump in just 3 weeks! Yay! ...and a question

Congrats on the score increase and the nfcu credit card. Nfcu is awesome!

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: 30+ point jump in just 3 weeks! Yay! ...and a question


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