topic Re: NAVY GOREWARDS $20k Rebuild Is Possible in Credit Card Approvals

NAVY GOREWARDS $20k Rebuild Is Possible

Anonymous — Fri, 05 Jun 2020 05:57:23 GMT

I would first like to say thank you to everybody that has post their stories and advice. I've been rebuilding my credit for the last 13 months. However, 3 months ago I spent hours reading and applying tips and advice I found on this forum. My scores were in low 500s when I started my rebuild journey. My first credit card I got was Navy Secured for $500. Well that card never went unsecured. I think it was because I was carrying high utilization every month and credit scores not really improving. Fast forward to 3 months ago when I decided it was time to get serious about my journey and I spent hours upon hours reading and applying the advice I found. Since then I paid off one charge off with Wells Fargo that I settled and PFD two collections. AZEO method with all my other credit cards. My current scores as of 5/30 Fico 8 EX 603 EQ 632 TU 609. Last month I went on a mini app spree (which I regretted later) so I had 4 new injuries and 3 new accounts. Capital One denied me due to many recent applications. So I decided I would go into the gardening stage. But I kept researching Navy to try to figure why I had still not graduated. A hour ago I read a post and the poster had similar journey as mines and she applied for the GOREWARDS even though she had not graduated after a year. So I decided I would bite the bullet and apply and instant approval for 20k. I could not believe it. I still can't as I write this. I have been banking with Navy for 2 years and have a shared loan for $1000 for one year. Last payment is this month. And my payroll goes direct deposit. Salary around $67k yearly.

Decided to post my approval so anybody starting over can know that it is possible.

So excited and so blessed to have received all this credit knowledge.

Again thanks everybody.

Re: NAVY GOREWARDS $20k Rebuild Is Possible

AllZero — Fri, 05 Jun 2020 06:40:13 GMT

Congratulations on your approval!

Re: NAVY GOREWARDS $20k Rebuild Is Possible

Anonymous — Fri, 05 Jun 2020 06:50:23 GMT

Wow YES!! Congrats on that monster SL! Navy definitely respects your relationship with them. Hopefully your secured will graduate soon! Congrats on your rebuild journey!

Re: NAVY GOREWARDS $20k Rebuild Is Possible

Anonymous — Fri, 05 Jun 2020 07:18:51 GMT

This is amazing, congrats on your approval and your success!

Re: NAVY GOREWARDS $20k Rebuild Is Possible

coreyb80 — Fri, 05 Jun 2020 07:25:30 GMT

Congrats on the approval!! Much continued success as well!!

Re: NAVY GOREWARDS $20k Rebuild Is Possible

BmoreBull — Fri, 05 Jun 2020 09:12:35 GMT

Congrats on the success. That is one awesome SL. I think it's kind of funny that you have two cards with them and one is still secured, yet they hit you with that monster SL on the second card. I just got my membership approved this week, but I'm going to wait a while before I app for a card. This gardening thing is harder than it sounds, lol. Congrats again.

Re: NAVY GOREWARDS $20k Rebuild Is Possible

Anonymous — Fri, 05 Jun 2020 10:43:42 GMT

@Anonymous Welcome to the forum! Super Congrats on your Navy Fed Go Rewards 20k approval!!!

Continued best of luck with your rebuild. This latest success should motivate

you to stay on track. Congrats again on your success. Thanks so much for sharing!

Re: NAVY GOREWARDS $20k Rebuild Is Possible

Andy77 — Fri, 05 Jun 2020 12:38:24 GMT

Congrats, amazing

Re: NAVY GOREWARDS $20k Rebuild Is Possible

M_Smart007 — Fri, 05 Jun 2020 14:10:46 GMT

Welcome To myFICO Forums and

Re: NAVY GOREWARDS $20k Rebuild Is Possible

jmos — Fri, 05 Jun 2020 14:12:02 GMT

Congrats on your approvals and successful rebuild efforts!!

Re: NAVY GOREWARDS $20k Rebuild Is Possible

Anonymous — Fri, 05 Jun 2020 14:25:40 GMT

It will definitely help me stay motivated on my rebuild. I already can envision the 700 club in my future. Lol

Thanks for planting that seed of success in my spirit. @Anonymous

Re: NAVY GOREWARDS $20k Rebuild Is Possible

Jordan23ww — Fri, 05 Jun 2020 14:30:00 GMT

Congratulations on then new huge spending limit and approval! Also congratulations on all the progress you've made on your credit rebuild!

Re: NAVY GOREWARDS $20k Rebuild Is Possible

gdale6 — Fri, 05 Jun 2020 14:58:45 GMT

Excellent progress on your rebuild, grats to all your continued successes

Re: NAVY GOREWARDS $20k Rebuild Is Possible

Anonymous — Fri, 05 Jun 2020 15:07:15 GMT

I read (and screenshoot 💙) your quote about money and it was a powerful light switch for my thoughts on money. Thank you for contributing it. @gdale6

Re: NAVY GOREWARDS $20k Rebuild Is Possible

Gotham- — Fri, 05 Jun 2020 16:35:22 GMT

Well deserved congratulations
that’s a 🦇👊💥✅🦇👊💥✅🦇👊💥✅

Re: NAVY GOREWARDS $20k Rebuild Is Possible

gingerflower — Fri, 05 Jun 2020 17:50:17 GMT

Congratulations on your Gorewards with an awesome SL! Keep up the positive credit Journey good job! 👍

Re: NAVY GOREWARDS $20k Rebuild Is Possible

CreditAggie — Fri, 05 Jun 2020 20:38:11 GMT

Congratulations on your NFCU Go Rewards approval and awesome SL!

Re: NAVY GOREWARDS $20k Rebuild Is Possible

ChazzieT — Fri, 05 Jun 2020 21:35:08 GMT

Re: NAVY GOREWARDS $20k Rebuild Is Possible

Meanmchine — Sat, 06 Jun 2020 02:04:19 GMT

Congraats on your new Navy card and on your rebuild success

Re: NAVY GOREWARDS $20k Rebuild Is Possible

Anonymous — Sat, 06 Jun 2020 06:48:43 GMT

Congrats on your monster NFCU GoRewards approval!