Congrats.
I finished my Ch 13 in March and just joined NFCU a couple weeks ago... but despite my rebuild going great I was unfortunately denied for an unsecured card. I am not opening a secured card when I have $40k in unsecured cards already so am just going to sit back and build the NFCU internal score (just set up DD) and try again in 2023.
Everyone here told me NFCU puts a lot of stock into their internal score and they obviously do.
FICO8 current as of :
4-17-24 EQ:
724 TU:
707 EX:
706Hard INQs last 12 months: EQ:
5 | TU:
8 | EX:
9Verizon Visa
$8500 Amex Delta Reserve
$10,000 Care Credit
$18,000NFCU CashRewards
$7500 Apple Card
$7000 Best Buy
$8000 Amazon
$5000NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray)
6.95%NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome)
9.45%Total CL:
$64,000 --- Total CC UTI:
27% --- AAoA:
5.5 years --- Income:
$200kLast app:
4-6-24
