topic Re: Navy SSL FICO 8 & 9 Score Bump in Rebuilding Your Credit

Navy SSL FICO 8 & 9 Score Bump

Anonymous — Tue, 04 May 2021 01:32:22 GMT

So I opened a NFCU SSL b/c I only have a closed installment loan on my CR, and it's my one & only derog as it's a CO with WF.
In March of 2020 I got a BofA secured card with $1K CL. FICO scores were barely 500. Didn't use the card like I should and had very high util(hadn't found MyFICO yet). In March 2021, I got a Discover IT secured card, $2K limit. FICO scores 620-641.
April of this year, I apply for and get NFCU GO Rewards unsecured card for $1K. It still hasn't not reported yet as expected. I also opened a NFCU SSL for $3,100 the day after my GO Rewards. Paid it down to $275 once I was able. It reported to TU today.
I got a +15 point score increase on my TU FICO 8(now 647) and a +24 point score increase on my TU FICO 9(now 661).
Im very pleased, I actually wonder if it will increase more over time from the SSL reporting paid as agreed. I'll post back in a week or so once EX & EQ update.

Also, I've applied multiple times for the Apple Card, always denied. Last denial my TU FICO 9 was 644 and my CO was a factor for denial of course. Today I tried again just to see, Approved for $1K. It's not a great SL and I won't accept it but it's nice to see my hard work pay off and lets me know I'm on the right track.
I'm officially in the garden until 2022!!
And thanks to everyone here who posts and helps because without you all I wouldn't be where I'm at now, so thanks a ton!

Re: Navy SSL FICO 8 & 9 Score Bump

Anonymous — Mon, 03 May 2021 23:02:22 GMT

Great work and nice score increase! Thanks for sharing your DPs!

Re: Navy SSL FICO 8 & 9 Score Bump

Anonymous — Mon, 03 May 2021 23:25:33 GMT

Great results - you're on the path now. It only gets better from here

Re: Navy SSL FICO 8 & 9 Score Bump

Anonymous — Tue, 04 May 2021 00:00:35 GMT

@Anonymous @Thank you

@Anonymous thanks bro. Patience is the hard part. Maybe one day I'll get me 25 from Navy too 😜

Re: Navy SSL FICO 8 & 9 Score Bump

Anonymous — Tue, 04 May 2021 02:21:46 GMT

@Anonymous wrote:
@Anonymous @Thank you

@Anonymous thanks bro. Patience is the hard part. Maybe one day I'll get me 25 from Navy too 😜

Lol keep doing it like you are and finding patience and I have no doubt you will

Re: Navy SSL FICO 8 & 9 Score Bump

Anonymous — Tue, 04 May 2021 03:45:22 GMT

@Anonymous wrote:
So I opened a NFCU SSL b/c I only have a closed installment loan on my CR, and it's my one & only derog as it's a CO with WF.
In March of 2020 I got a BofA secured card with $1K CL. FICO scores were barely 500. Didn't use the card like I should and had very high util(hadn't found MyFICO yet). In March 2021, I got a Discover IT secured card, $2K limit. FICO scores 620-641.
April of this year, I apply for and get NFCU GO Rewards unsecured card for $1K. It still hasn't not reported yet as expected. I also opened a NFCU SSL for $3,100 the day after my GO Rewards. Paid it down to $275 once I was able. It reported to TU today.
I got a +15 point score increase on my TU FICO 8(now 647) and a +24 point score increase on my TU FICO 9(now 661).
Im very pleased, I actually wonder if it will increase more over time from the SSL reporting paid as agreed. I'll post back in a week or so once EX & EQ update.

Also, I've applied multiple times for the Apple Card, always denied. Last denial my TU FICO 9 was 644 and my CO was a factor for denial of course. Today I tried again just to see, Approved for $1K. It's not a great SL and I won't accept it but it's nice to see my hard work pay off and lets me know I'm on the right track.
I'm officially in the garden until 2022!!
And thanks to everyone here who posts and helps because without you all I wouldn't be where I'm at now, so thanks a ton!

Great progress! Happy Gardening 🌱

Re: Navy SSL FICO 8 & 9 Score Bump

AllZero — Tue, 04 May 2021 03:50:33 GMT

Congratulations on your success! You got some great lenders on hand. Your graduation will come before you know it.

Re: Navy SSL FICO 8 & 9 Score Bump

Anonymous — Tue, 04 May 2021 09:24:33 GMT

EX FICO 8 increased by +17 points. Super stoked. 😁

Re: Navy SSL FICO 8 & 9 Score Bump

Anonymous — Wed, 05 May 2021 18:37:32 GMT

EQ FICO 8 increased 11 points & EQ 9 increased 16 points from the SSL. Just wanted to document the increases in case anyone was wondering but of course I know all profiles are different.

Re: Navy SSL FICO 8 & 9 Score Bump

AllZero — Wed, 05 May 2021 20:16:33 GMT

Those are nice score increases! 👍

Re: Navy SSL FICO 8 & 9 Score Bump

Total80sKid — Thu, 06 May 2021 06:29:19 GMT

Congrats on the great progress!

Re: Navy SSL FICO 8 & 9 Score Bump

SPChaser — Thu, 06 May 2021 12:21:27 GMT

That hard work is paying off in a major way proven by your scores. Enjoy it!!! Stay on the path and those results will keep coming in.

Re: Navy SSL FICO 8 & 9 Score Bump

Anonymous — Thu, 06 May 2021 15:25:07 GMT

Thank you. Definitely going to stay on the path. I do expect a slight dip next month when my new Navy CC reports for the first time, but after that it's only upwards!

Re: Navy SSL FICO 8 & 9 Score Bump

tywonagain — Thu, 06 May 2021 15:41:42 GMT

Congrats on the successful rebuild

Re: Navy SSL FICO 8 & 9 Score Bump

Anonymous — Thu, 06 May 2021 16:52:54 GMT

Congrats on your successes @Anonymous !

Re: Navy SSL FICO 8 & 9 Score Bump

Credit4Growth — Mon, 10 May 2021 00:31:07 GMT

@Anonymous
Way to go!
It was a great decision to get the SSL, very nice score bump!
Garden, plan and garden! 😀
Stay the course! Congratulations!

Re: Navy SSL FICO 8 & 9 Score Bump

Credit4Growth — Mon, 10 May 2021 00:32:15 GMT

@Anonymous wrote:
Great results - you're on the path now. It only gets better from here

+1000 ^^^

He is right.

@Anonymous Congrats on Super!