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I've been lurking around myFICO forum for quite some time now but I never joined. Due to the success I've had so far rebuilding my credit and my recent approvals, I had to post this message. When I purchased my car 2 years ago, my fico score was 480. As of yesterday it was 635. It's not where i want it to be but its improving. I started out with a $500 secured card from NFCU, $300 first Premier, $500 Merrick (now $1000), $500 Capital One (now $750), $200 Belk, $500 BOA (partially secured), $180 Paypal and $1300 Lane Bryant. Paypal and Lane bryant are my oldest cards. After reading some of the post on Tuesday, I decided to apply for NFCU cash rewards card. Wednesday morning I received a message that I was approved for $6000. I alomost fell out of my chair. Yesterday I decided to apply for the checking line of credit (NavChek). I decided to apply for $10,000 instead of the $15,000 recommended by many of the members. Well, this moring I got another message that I was approved for the $10,000. I couldn't believe it. I applied for both accounts sometime last year but was declined. To those that are rebuilding, be patient ther is a light at the end of the tunnel. THANK YOU all so much for the advice, esp about NFCU.
Hello! Welcome!
That sounds amazing! Keep up the great work!
Thank you!
Great job, grats & welcome to the board
Congrats!!! NFCU hates me.....they won't approve me for anything....no matter how much I"ve improved my credit
WTG on improving your score....congrats
Congratulations!
congrats
I couldnt agree more!!! In March, after about 3 years of painstaking/ rebuilding, I went to Ford.com and decided to apply for a car loan. WIthin 5 minutes..DENIED! I called NFCU (savings only small deposits/balance for 4+ years) spoke to a VERY nice lady explaining my rebuild story, etc and she took my info, and bam! 30,000 car loan on the spot...with a 2.4% rate. You wouldve thought I won the lottery! I had been driving a KIA Soul for 3 years and only 2 times late. I purchased my 2014 convertible mustang 3.16. my 45th birthday! Driving in style, first sports car and will go to NFCU for all my needs and I can pretty much bet if I pay on time, my next loan is a mortgage, and I hope to apply within a year! I am forever grateful and a loyal member for life!!!