cancel
Showing results for 
Search instead for 
Did you mean: 

Madmann26's rebuild thread

Valued Contributor

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.

Scores: about 700 across the board
Total CL: $275k
Message 71 of 167
Valued Contributor

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.
Scores: about 700 across the board
Total CL: $275k
Message 72 of 167
Senior Contributor

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!!!!  Smiley Wink



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 12/2017 TU 779 - EQ 779 - EX 782
Goal Score: 850

Bury me in the garden...last app 07.27.17

Message 73 of 167
Valued Contributor

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!!!!  Smiley Wink


Bungalow,

 

Thanks for the words of encouragement.

Scores: about 700 across the board
Total CL: $275k
Message 74 of 167
Valued Contributor

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.

Scores: about 700 across the board
Total CL: $275k
Message 75 of 167
Regular Contributor

Re: Madmann26's rebuild thread

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


Started :
05/05/2013 EX :525,TU:542,EQ:535
09/30/2014 EX :655,TU:669,EQ:664
In Garden Since 03/16/2013
Will not Apply till 03/31/2015
Message 76 of 167
Valued Contributor

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.
Scores: about 700 across the board
Total CL: $275k
Message 77 of 167
Frequent Contributor

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!!

 

 

Message 78 of 167
Valued Contributor

Re: Madmann26's rebuild thread

Up to 636 EQ.

Scores: about 700 across the board
Total CL: $275k
Message 79 of 167
Regular Contributor

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
Message 80 of 167