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Valued Contributor
madmann26
Posts: 1,313
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread


Crossdivided wrote:

AWESOME, brother! ^5

 

If you dont mind me asking, what EQ FICO range were you when you apped the NFCU unsecured (3k CL)? they keep shooting me down, prob mostly because im on a payment plan with them for the next 8 months to pay off a c/o checking acct (but it keeps it in-house).

 

i also moved my direct deposits from them and use my old bank...do you actually bank with them, and if so do you think that factors into their app decision?

 

thanks!


NFCU pulled a 598 when they approved me for their unsecured cash rewards. If you are on a payment plan with them, then this is probably the reason.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 696|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $2.5k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k

Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
madmann26
Posts: 1,313
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

EQ is up to 629 and TU is up to 645. It's slow moving but I am making progress.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 696|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $2.5k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k

Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Senior Contributor
BungalowMo
Posts: 4,095
Registered: ‎05-01-2008

Re: Madmann26's rebuild thread

Madman...reading your journey was like having a "Deja' Vu" moment for me.  I was going through the same thing back in 06 & 07. That was when I really sat up & paid attention to the mess I'd gotten myself in.  Between C/O's with Cap 1 & collections from HSBC fw to Midland...I was in the low 500's back then.

 

I began trying to fix things long before I found this forum, but interestingly enough...I would come to MyFico all the time to buy the score products!  DUH...never even noticed the forums!

 

Congrats to you for really hitting the mark & being persistent without being pushy.  Pushy gets you no where!

 

Sit back & let those accounts age.  Let those inq's drop off or at least let them age to a year before apping for anything.  And lastly, alwayd try for a CLI before trying for a new card.  Preferably with a soft inq!!!!  :smileywink:



Starting Score: 07/2011 TU 732 EQ 717 EX 702
Current Score: 04/2013 TU 744 EQ 720 EX 712
Goal Score: 850


Take the myFICO Fitness Challenge
Bury me in the garden...last app 03.31.13
Valued Contributor
madmann26
Posts: 1,313
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread


BungalowMo wrote:

Madman...reading your journey was like having a "Deja' Vu" moment for me.  I was going through the same thing back in 06 & 07. That was when I really sat up & paid attention to the mess I'd gotten myself in.  Between C/O's with Cap 1 & collections from HSBC fw to Midland...I was in the low 500's back then.

 

I began trying to fix things long before I found this forum, but interestingly enough...I would come to MyFico all the time to buy the score products!  DUH...never even noticed the forums!

 

Congrats to you for really hitting the mark & being persistent without being pushy.  Pushy gets you no where!

 

Sit back & let those accounts age.  Let those inq's drop off or at least let them age to a year before apping for anything.  And lastly, alwayd try for a CLI before trying for a new card.  Preferably with a soft inq!!!!  :smileywink:


Bungalow,

 

Thanks for the words of encouragement.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 696|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $2.5k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k

Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
madmann26
Posts: 1,313
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

For those reading my journey,

 

That is 111 points gained on EQ and 93 points gained on TU since I started this in August 2012.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 696|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $2.5k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k

Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Regular Contributor
from500to700
Posts: 159
Registered: ‎03-05-2013

Re: Madmann26's rebuild thread

Reading this post encouarge me to keep going thank you Madmann and congrats


In Garden Since 03/16/2013
Will not Apply till 03/31/2015
Will have 0 INQ, No Baddies all will fall , and long relation with CPC and get My Goal : JP Morgan Palladium Card and AMEX Platinum to lead to AMEX Centurion Card.

Valued Contributor
madmann26
Posts: 1,313
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

I got approved for the WalMart store card with a $500 limit yesterday. Time to chill out and let the good times roll.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 696|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $2.5k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k

Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Frequent Contributor
SLR72689
Posts: 339
Registered: ‎02-15-2013

Re: Madmann26's rebuild thread

Very inspiring!! I am working on my last collection and just got on a payment plan to pay off my last CO! Loved reading your journey!!

 

 

Valued Contributor
madmann26
Posts: 1,313
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

Up to 636 EQ.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 696|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $2.5k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k

Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Regular Contributor
WillF360
Posts: 166
Registered: ‎12-19-2012

Re: Madmann26's rebuild thread

Congratulations man. Following your successes here!

In the Garden since 9/15/13... Goal Date 4/15/14 (WISH ME LUCK)
Closed on First Home 9/13/2013: USDA RURAL HOUSING
Lender Pull 7/25- EQ 673, EX 693, TU 670
Credit Card Approvals: 9/15- Discover It $4500; Chase Freedom $3500; Amex Blue $5000
Goal Score: 720 | Starting Scores (2/12): EQ 493, EX 521, TU 463

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