Regular Contributor
rm3
Posts: 198
Registered: ‎03-02-2012
Thank you Navy FCU!

I am one happy lady:smileyvery-happy: I woke up to a text message from NFCU saying my UNSECURED n-rewards visa application was approved! I was ready to start the secured option but looks like I won't have to.  I only  have 2 open revolving accounts with very small limits (Cap1-300 and Orchard/Cap1-300). I've paid on time every month for six months so far and Navy Fed gave me $1000. CL. I want to see if they will consider a small increase  to the CL but don't want to seem too greedy. I've read a lot about how generous Navy FCU is and I am trying to rebuild with a current EQ FICO of 579. Do you guys have any advice/tips on how to use this new cc to maximize score and possibly receive auto CLIs from Navy Federal?

 

Want to treat NFCU good!!!

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Thank you Navy FCU!

Congrats!  I'm jealous, I so want to join them!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
Re: Thank you Navy FCU!

Congrats on your card, Use it well and they will treat you good.




New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012
Re: Thank you Navy FCU!

No advice, just wanted to say congrats!!!  Good luck on your rebuilding!

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
Re: Thank you Navy FCU!

Congrats, treat them well and they will treat you even better.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Valued Contributor
MsLadyRover
Posts: 2,829
Registered: ‎03-14-2012
Re: Thank you Navy FCU!

CONGRATULATIONS!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
New Contributor
Way
Posts: 50
Registered: ‎01-24-2012
Re: Thank you Navy FCU!
Grats!
Experian - 728 | Transunion - 708 | Equifax - 701

NFCU cRewards - $22,000 | NCFU MC - $22,000 | Lowes - $10,000 | DCU Plat Visa - $7,500 | Navcheck - $7,500 | Chase Freedom - $6,000 | Ashley Furniture - $4,800 | Discover IT - $4,500 | Amex BCP - $1,000 | Cap1 QS - $850 | Cap 1 Plat - $700
Regular Contributor
rm3
Posts: 198
Registered: ‎03-02-2012
Re: Thank you Navy FCU!

Thanks to all for the congrats. Any advice anyone????

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
Re: Thank you Navy FCU!

Congrats

Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012
Re: Thank you Navy FCU!

Awww congrats! I wouldn't push it with a CLI just yet. I would be soooo good about paying in full for a few months then hit them with the 'gimme more' button. I just did a post for NFCU love. They are an incredible institution if you can get in. I am both a member of USAA and NFCU. Are there better products? Of course. But nobody takes better care of their members. Nobody. *slap five* :smileywink:

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013