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favored12 wrote:
Lol Jutz! I'm not sure but I do hear alot on the boards about USAA and PSECU

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USAA is still military and PSECU is just PA! 

I'm going to look for a roommate on Craigslist.  Must have: Good credit, Naval or other Military Experience, Extra couch a plus?

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013

2013 Goals: New Car 700 Club AMEX Member

AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800

I'll have to look into that, thanks.

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013

2013 Goals: New Car 700 Club AMEX Member

AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800

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favored12 wrote:
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.

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589!? Wow. Good job! What was your transunion score when you were declined last time???

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Elcid89 wrote:

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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.

 

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FICO scores: 819 (EQ) 815 (EX) 803 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k

Where I want to be in 24 months! Haha! Good job buddy!

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favored12 wrote:
I'm not sure what it was back then. That was before I knew how to take care if credit unfortunately

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Ah, I've been trying to follow your clean up effort. Is there a short version of what you have been able to 'clean up' since then??

favored12 wrote:
Wow really? I feel special! I still feel new so I'm careful only to comment on my experiences with everything. Thats why i don't have many posts. I need to figure out how to do the blog or maybe a rebuild thread so I can keep track too. Guess I should search the boards for that info

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Indeed!