Rebuilding Your Credit

[favored12]

I couldn't freakin believe it!! I've been with NFCU since 2010 but I mainly use them for savings. I applied for the rewards card back in May and got denied. I started cleaning up my credit in July so it's been about three months now. My score is slowly inching up but still nowhere near ready to apply for big purchases. Yesterday, I got the pre-approval for NFCU in the mail yesterday and got antsy. I decided to go for it and applied online with the code offer. I got a message saying they would review and have a decision within 24 hrs. I checked back this morning and to my surprise I my pending status had changed to approved!!! Then I opened the message and it stated congratulations-based on your credit worthiness you've been approved for NFCU cash rewards card with a credit limit of $10,000!!!! I had to log out and back in to make sure I was reading it right!! I'm so excited and greatful for the opportunity to rebuild especially after getting denied so many times in the past. My scores are really low and I'm not sure which bureau they pulled from but I don't care! LOL! I'm hoping to master this utilization tool so that I can get these scores boosted and ready for home ownership!

[LIGHTNIN]

  Congrats to YOU! ! !

[Shogun]

Wow!  Congrats to you.  Gotta love NFCU.  I'm trying to get in myself.

[Elcid89]

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favored12 wrote:
I couldn't freakin believe it!! I've been with NFCU since 2010 but I mainly use them for savings. I applied for the rewards card back in May and got denied. I started cleaning up my credit in July so it's been about three months now. My score is slowly inching up but still nowhere near ready to apply for big purchases. Yesterday, I got the pre-approval for NFCU in the mail yesterday and got antsy. I decided to go for it and applied online with the code offer. I got a message saying they would review and have a decision within 24 hrs. I checked back this morning and to my surprise I my pending status had changed to approved!!! Then I opened the message and it stated congratulations-based on your credit worthiness you've been approved for NFCU cash rewards card with a credit limit of $10,000!!!! I had to log out and back in to make sure I was reading it right!! I'm so excited and greatful for the opportunity to rebuild especially after getting denied so many times in the past. My scores are really low and I'm not sure which bureau they pulled from but I don't care! LOL! I'm hoping to master this utilization tool so that I can get these scores boosted and ready for home ownership!

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Congratulations! I switched all of my primary banking to NFCU many years ago for precisely this reason - they take care of their customers.

Now, treat them right, and they'll be there for you whenever you need them.

[princechristian]

Hey what were your scores at the time? And since have you discovered which score they used? Thanks!

[favored12]

They only pulled TU and at that time I was at 589. I've been direct depositing in a savings account with them since 2010 so not sure if that helped but it could have.

[Jutz]

That does it.  I'm enlisting...

Congrats on your new card OP, NFCU does it again!

[Jutz]

On a serious note, is there a national CU that is as remotely good as NFCU, or is that pretty much it?  I've heard DCU is decent. 

[favored12]

Lol Jutz! I'm not sure but I do hear alot on the boards about USAA and PSECU

[madmann26]

Congrats!!