Well, I got antsy again...I have been a memeber with NFCU since February and I have a secured credit card with them, that I've rarely carried a balance on and always made multiple payments throughout the month. I applied late last night for one of their mediocre cards that I have been previously denied for.
I had to freeze my Equifax report because I noticed some unauthorized inquiries on there and thought that was my best course of action. They have always pulled EQ in the past (which is my worst), but I got a notice from Credit Karma today that they pulled TU. TU is my highest score at a fico of 643, I still have a small charge off with Macy's on there and that stupid collection from Midland, but everything else is clear. I have no missed payments and a UTIL of about 12%.
When I applied I got the 3-5 day message and no updates since! Ugh. So anxious! Anyone have any idea if you think I'd be approved or not? I go crazy with the waiting game and I know I've checked the status at least 30 times today. Haha. I read on some other posts that a lot of times people will get messages saying "a decision will be made in one day" or something along those lines, I'm afraid since I haven't received anything, that it's going to be a denial. However, when I have applied in the past and got the 3-5 day message, I was usually notified of my denial within a few hours. Ugh. I am overanalyzing. Somebody tell me what they think...
