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New Year, abruptly yanked out of the garden!

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Regular Contributor

New Year, abruptly yanked out of the garden!

Mulling along happily in the garden after a successful rebuilding year - then my car had other ideas.

So, I've just been approved for an auto loan with Navy Fed, and my goal of purchasing another home has been pushed back for at least six more months until my file recovers from this little unexpected hiccup.

Bonus: since I just killed my AAoA anyway, I apped for my first hotel rewards card, on a soft pull from AMEX, so at least I got that going for me.

Back to the garden again!

Amazon Prime Card 5000
AMEX Green NSPL
AMEX 1000
AMEX Hilton Honors Ascend 3000
PayPal Credit 4500
BBVA Compass CP 5900
CheapoAir Visa 2500
Care Credit 15000
Discover IT CashBack 13,000
NFCU Cash Rewards 9000
NFCU Platinum 10,000
Cap1 Quicksilver 1100
VS VIP Card 2350
Kohl's Charge 3000
SamsClub 8000
NFCU Auto Loan 22k.
Starting Score 5/2017: 526
Current Score: 704
Goal Score: 780


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3 REPLIES 3
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Senior Contributor

Re: New Year, abruptly yanked out of the garden!

Congratulations on your auto loan approval and AMEX card approval!

 

Can you share any details about the Navy approval process? Was it 100% financed? Thanks!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 2 of 4
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Regular Contributor

Re: New Year, abruptly yanked out of the garden!


@19eighty5 wrote:

Congratulations on your auto loan approval and AMEX card approval!

 

Can you share any details about the Navy approval process? Was it 100% financed? Thanks!


Thank you!

It was an easy 5 min process. I logged in to my account, applied and received approval. I was offered a higher amount but declined.

You'll be offered the max they will lend for your creditworthiness/dti/score, etc. You'll then be asked if you'd like the higher amount or the originally requested amount.

Amazon Prime Card 5000
AMEX Green NSPL
AMEX 1000
AMEX Hilton Honors Ascend 3000
PayPal Credit 4500
BBVA Compass CP 5900
CheapoAir Visa 2500
Care Credit 15000
Discover IT CashBack 13,000
NFCU Cash Rewards 9000
NFCU Platinum 10,000
Cap1 Quicksilver 1100
VS VIP Card 2350
Kohl's Charge 3000
SamsClub 8000
NFCU Auto Loan 22k.
Starting Score 5/2017: 526
Current Score: 704
Goal Score: 780


Take the myFICO Fitness Challenge
Message 3 of 4
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New Contributor

Re: New Year, abruptly yanked out of the garden!

Congratulations on the approvals! 

 

Seems like a Credit Union assisted you here! This is probably the smartest decision individuals make when they are buying cars to stick with a local credit union. They keep the rates well within what you need. 

Message 4 of 4
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