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Amazing...

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TRC_WA
Senior Contributor
‎01-15-2015 07:59 AM
‎01-15-2015 07:59 AM

Amazing...

That's the word my CU loan officer used last night...

 

I went in to secure new car financing and since it was the same HP I asked for a CC CLI...

 

$25k @ 4.24% for 72 months... approved.

 

$1500 CLI to $10k... approved.

 

"You've done an amazing job rebuilding your credit" is what he said... I told him thanks!  Smiley Wink

 

There is life after BK... focus on your goals and be patient... you'll get there!

 

 

FICO8 current as of : 2-1-26 EQ: 713 TU: 702 EX: 705
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 1
Verizon Visa $8500 Amex Delta Gold $10,000 Care Credit $18,000
NFCU CashRewards $13,500 Apple Card $7000 Best Buy $8000 Amazon $5000
STCU auto loan (2026 Hyundai Palisade Hybrid) 6.24%
HDFS motorcycle loan (2024 Harley Davidson Road Glide) 9.45%
Total CL: $70,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $257k
Last app: 1-31-26
Message 1 of 28
27 REPLIES 27
GirlMelanie89
Established Contributor
‎01-15-2015 08:35 AM
‎01-15-2015 08:35 AM

Re: Amazing...

Congratulations!!!!! Thats awesome!! Keep it up!!!

Bankruptcy discharged: May 2014 Starting Score: 571 Goal Score: 700
Current Score: 676 (EQ FICO) 674 (EX FICO) 662 (TU FICO)

Mortgage Loan Originator in Kentucky
Message 2 of 28
TRC_WA
Senior Contributor
‎01-15-2015 10:33 AM
‎01-15-2015 10:33 AM

Re: Amazing...

Thanks... 

 

I decided to apply with Chrysler Financial as well... pre-approved for $48k.

 

Gonna go shopping after work and see what I can do...

FICO8 current as of : 2-1-26 EQ: 713 TU: 702 EX: 705
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 1
Verizon Visa $8500 Amex Delta Gold $10,000 Care Credit $18,000
NFCU CashRewards $13,500 Apple Card $7000 Best Buy $8000 Amazon $5000
STCU auto loan (2026 Hyundai Palisade Hybrid) 6.24%
HDFS motorcycle loan (2024 Harley Davidson Road Glide) 9.45%
Total CL: $70,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $257k
Last app: 1-31-26
Message 3 of 28
0 Kudos
Gunnar419
Valued Contributor
‎01-15-2015 10:39 AM
‎01-15-2015 10:39 AM

Re: Amazing...

The satisfaction must be wonderful. Not just knowing yourself what you've achieved, but sitting across a desk from the loan officer and having your achievements confirmed in the LO's words and deeds. Kudos!

Message 4 of 28
GirlMelanie89
Established Contributor
‎01-15-2015 10:57 AM
‎01-15-2015 10:57 AM

Re: Amazing...

@TRC_WA wrote:

Thanks... 

 

I decided to apply with Chrysler Financial as well... pre-approved for $48k.

 

Gonna go shopping after work and see what I can do...

Your experience should be smooth sailing then, especially since you have already been pre-approved!!! Let us know what you choose! Happy shopping!

Bankruptcy discharged: May 2014 Starting Score: 571 Goal Score: 700
Current Score: 676 (EQ FICO) 674 (EX FICO) 662 (TU FICO)

Mortgage Loan Originator in Kentucky
Message 5 of 28
DaveInAZ
Senior Contributor
‎01-15-2015 01:11 PM
‎01-15-2015 01:11 PM

Re: Amazing...

Congratulations, that must feel especially encouraging coming from a loan offers. $48k pre-approval from Chrysler Finacial? I hope you;re not going to buy a Hummer stretch limo. Smiley Very Happy

 

I find out next month how "amazing" mortgage & CU car loan officers think my rebuild is . . . .

Message 6 of 28
Anonymous
Not applicable
‎01-15-2015 01:34 PM
‎01-15-2015 01:34 PM

Re: Amazing...

Excellent !! Congrat's.Smiley Happy

Message 7 of 28
Scupra
Super Contributor
‎01-15-2015 01:36 PM
‎01-15-2015 01:36 PM

Re: Amazing...

I am sure it felt amazing! Great job again, keep it up!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 8 of 28
TRC_WA
Senior Contributor
‎01-15-2015 01:52 PM
‎01-15-2015 01:52 PM

Re: Amazing...

@DaveInAZ wrote:

Congratulations, that must feel especially encouraging coming from a loan offers. $48k pre-approval from Chrysler Finacial? I hope you;re not going to buy a Hummer stretch limo. Smiley Very Happy

 

I find out next month "amazing" mortgage & CU car loan officers think my rebuild is . . . .

5.7 Hemi Dodge Challenger... Smiley Wink

 

Thanks everyone for the replies! 

FICO8 current as of : 2-1-26 EQ: 713 TU: 702 EX: 705
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 1
Verizon Visa $8500 Amex Delta Gold $10,000 Care Credit $18,000
NFCU CashRewards $13,500 Apple Card $7000 Best Buy $8000 Amazon $5000
STCU auto loan (2026 Hyundai Palisade Hybrid) 6.24%
HDFS motorcycle loan (2024 Harley Davidson Road Glide) 9.45%
Total CL: $70,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $257k
Last app: 1-31-26
Message 9 of 28
0 Kudos
darkknight59
Regular Contributor
‎01-17-2015 04:28 AM
‎01-17-2015 04:28 AM

Re: Amazing...

Congratulations!


NASA FCU 25000 NASA FCU LOC 25000 NFCU Flagship 70,000, CITI Prestige 22000, CITI Premier 7400, Chase Freedom 15000, Amex Green Card, Amex Gold, Amex Every Day 15000, Amex Costco 15000,Amex BCE 15,000, NFCU LOC 15000, Tobyhanna Visa 10,000, Chase Slate 9500, Discover IT Miles 11,000, BOA Travel Rewards 25,000, Barkclay Apple 6000, Zales 5,200 ,Amazon Store 5,000, Paypal SC 5000, Capt 1 Venture 7,250, Cap 1 Plat Pret 5400, Conns' 5,000, NFM 3500, Care Credit 3300,, Barclay Rewards 1500 BML 2,900,
Message 10 of 28
0 Kudos
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