Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
from 501 to 689 in 12 mos. *UPDATE*
[ Edited ]

Down to one baddie left but not going to mess with it being it falls off in 5 mos.  Started wtih 7 derogs with zero credit history.  Tonight I will request my secured card with NFCU be unsecured as well as an APR decrease.  Hoping for a 5k limit.


I also have a BOFA secured card but Im going to wait and see how the NFCU account turns out and after they report I'll hit up BOFA.  Not going to get too excited about BOFA though if im lucky and I mean lucky they are likely to give me my 300.00 back and increase the limit to 1,000 but I wont count on it.


Im going to close (PUTTING FLAME SUIT ON) my first premier card.  This card is actually a secured card that only has a 50.00 year fee but surprisingly they didnt charge it at the year mark last month and there are no other fees despite the horrific reviews people give here.


If everything goes well with NFCU ill also apply with Chase freedom and walmart and thats it until that last derog falls off then who knows.


Someone get me some anti itch cause I dont want to keep scratching it! lol


****UPDATE****  NFCU approved for 5000.00.   They asked how much I wanted I told them 5000.00

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club