Any advice

[Caitt]

My current situation. Credit sesame is saying 596 for TU. Credit Karma is saying 596 for TU, and 545 for EQ.
My CCT updates on 12/10/15 with new scores. I have a
capital one cc SECURE $200 CL
(Approved for) Discover IT $500 CL (just yesterday soo soo happy)
(Denied ) NFCU nrewards (sent a reconsider message [still waiting])
I have a loan out that was $400. I started at 545-560 back at the end of 2014. I'm on the road to purchasing a home hopefully next year! Rent is too high!

This is from 11/10/15
Scores:
EX 628
TU 647
EQ 614

Installments
I have $36437 showing on all 3 CR with 13 accounts all Open/Paid.
Campus Federal: $335 all 3 CR
Honda Financial: $1589 (have 10 lates) on EX and TU
CC: Capital One $84 (5 lates) all 3 CR
TFC $4888 closed/late

The Baddies
Collection
EX
Installment dept: $1,924
Total dept: $4,287
CC usage: 42%
4 inquiries

*Transfinancial $191
*Transfinancial $97
TeleRecovery $312
Southern Credit Recovery $559
*Southern Credit Recovery $250
Convergent $222
*AFNI $506
*AFNI $142

TU
Installment dept: $1,924
Total dept: $3,562
CC usage: 42%
Same installments as EQ +
Rent Payment $125

Collections

ATT $142 open/unknown(current or late)
ATT $506 open/unknown
Dish $222open/unknown
Medical bill $559 open/unknown

EQ
Installment dept: $335
Total dept: $1,577
CC usage: 42%
7 inquiries

Collection

*TFC $191
*TFC $97
AFNI $142
AFNI $506
Convergent $222

The EX updates daily and the * are the accounts that were removed! Now i am at
Installment dept: $1,811
Total dept: $2,946
CC usage: 21%
Collections
Convergent $222
Southern..... $559
TeleRecovery $312

New score 641
☺️😊☺️😊☺️😊

All CR have 7.1 years


What are my chances that NFCU will change their minds??

[Caitt]

Anyone?

[Anonymous]

Congrats on your progress!  I'm not a member of NFCU but I'm sure you'll get some helpful feedback soon.

[Caitt]

Bump?

[Caitt]

Anyone?

[alisadarrick]

Hi Caitt - All I can say is I've been with NFCU about 8 or 9 mos.  I filed BK in Dec 2014 and it was discharged Feb 2015 and I have a $500 cashRewards a $500 secured nRewards card and a $15000 NavCheck with them.  I love them!

Also my son has a $3300 cashRewards card with them and he has several student loans and a small store card that are in default.

I hope this helps!

[Caitt]

Just called and I am now approved!!
CL is 1000
So now I have
Capital One Secured CL 200
NFCU nrewards CL 1000
Discover CL 500

Soo happy!!!

[gdale6]

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@Caitt wrote:
Just called and I am now approved!!
CL is 1000
So now I have
Capital One Secured CL 200
NFCU nrewards CL 1000
Discover CL 500

Soo happy!!!

---

Grats on your new card