topic Re: I'm so exited in Credit Cards

I'm so exited

Anonymous — Sat, 06 Sep 2008 04:43:45 GMT

I have been working on my credit for the past two years. Paying off charge-offs and getting baddies removed. My capital one account is the only one that still reporting negatively. I signed up with NavyFCU and recently got a credit card offer. I waited like 3 weeks to apply. I finally did today and was approved for $5000 limit at 13% rate. I think it was $5000 I was too excited.

Re: I'm so exited

first48 — Sat, 06 Sep 2008 04:44:54 GMT

Congratulations!! What were your scores and do you know which CR they pulled?

Re: I'm so exited

Anonymous — Sat, 06 Sep 2008 04:46:53 GMT

Congrats! Your hard work is paying off!

Re: I'm so exited

TangMeister — Sat, 06 Sep 2008 05:00:41 GMT

Big congrats on the NFCU score. They truly are one of the best CUs out there to deal with. Heck, they are the best.

Re: I'm so exited

Anonymous — Sat, 06 Sep 2008 05:10:04 GMT

No idea what bureau but its around 650. I had previous credit lines totalling 1200 or so with 10% utilization and a perfect payment history for 2 years.

Re: I'm so exited

MsKiwi — Sat, 06 Sep 2008 05:15:11 GMT

TerpMan2008 wrote:
I have been working on my credit for the past two years. Paying off charge-offs and getting baddies removed. My capital one account is the only one that still reporting negatively. I signed up with NavyFCU and recently got a credit card offer. I waited like 3 weeks to apply. I finally did today and was approved for $5000 limit at 13% rate. I think it was $5000 I was too excited.

WTG! I hope to join you someday! I have a bit of work to do myself. Just found out my brother is a member (retired navy)

Re: I'm so exited

TangMeister — Sat, 06 Sep 2008 07:42:38 GMT

@Anonymous wrote:
No idea what bureau but its around 650. I had previous credit lines totalling 1200 or so with 10% utilization and a perfect payment history for 2 years.

For Credit Card Apps, NFCU pulls EQ like most credit unions. For LOCs, they pull one of the other two....usually TU, I believe.

Re: I'm so exited

TangMeister — Sat, 06 Sep 2008 07:47:27 GMT

@MsKiwi wrote:

@Anonymous wrote:
I have been working on my credit for the past two years. Paying off charge-offs and getting baddies removed. My capital one account is the only one that still reporting negatively. I signed up with NavyFCU and recently got a credit card offer. I waited like 3 weeks to apply. I finally did today and was approved for $5000 limit at 13% rate. I think it was $5000 I was too excited.

WTG! I hope to join you someday! I have a bit of work to do myself. Just found out my brother is a member (retired navy)

I would go ahead and join anyway, but just open up a checking account and share savings now. You'll already be in with them, for when you decide to app for credit. They tend to like some history, though it's not necessary. It'll only help you, though.

Re: I'm so exited

Anonymous — Sat, 06 Sep 2008 11:06:31 GMT

Congratulations....

Re: I'm so exited

Anonymous — Sun, 07 Sep 2008 00:29:51 GMT

it was a 5000 credit line

Re: I'm so exited

MsKiwi — Sun, 07 Sep 2008 03:02:29 GMT

@TangMeister wrote:

@MsKiwi wrote:

@Anonymous wrote:
I have been working on my credit for the past two years. Paying off charge-offs and getting baddies removed. My capital one account is the only one that still reporting negatively. I signed up with NavyFCU and recently got a credit card offer. I waited like 3 weeks to apply. I finally did today and was approved for $5000 limit at 13% rate. I think it was $5000 I was too excited.

WTG! I hope to join you someday! I have a bit of work to do myself. Just found out my brother is a member (retired navy)

I would go ahead and join anyway, but just open up a checking account and share savings now. You'll already be in with them, for when you decide to app for credit. They tend to like some history, though it's not necessary. It'll only help you, though.

That sounds like a good plan. Thanks for the advice.