@Noximus03 wrote:I would thank you for your service, but then you'd thank me for mine. I'd have to thank you again, which will prompt you to thank me, and the never ending cycle would continue.
Here's my condensed DP's from my NFCU credit card application from this passed November.
1- I applied and was insta approved for $1,000.00.
2- I sent a secured message to NFCU disagreeing with my initial CL, basically I asked for an unusual recon.
3- They respond stating that the amount I was approved for is the maximum they can at the present time.
4- I respond back telling the truth "I already have three $500 cards, and I'm not interested in a fourth low CL card. What happens if I dont activate?"
5- 20 minutes later I get a reponse with an apology, and the final determination that my initial CLI will be $15,000. Wow! More people should try this . I started out at $500 and though disappointed, rolled with the punches lol. But to get a 14.5 increase on recon because your other cards were $500, is incredible. By that logic every rebuilder should be awarded 15k limits
. Navy for sure is the best, never burn, never burn
As it stands now, my usage on that card is 28% and I use it a lot since its zero APR for me until April. I've combined my Cap1 Platinum, and QS1 into one card, got approved for a Discover for $1500, and killed one of my bucket cards completely. I was also approved for an auto refi (11.78% interest down to 5.89%), and a $5k CLOC with them. I'm sitting on 3 statements, but only at 71 days. Still have 20 to go before I apply for a second NFCU, and get the CLI on my green card. What is said above is totally true- NFCU does things their own way and use credit reports as more of a small window to look through. My thread on the above DP's is still on here if you want the full breakdown, but I wouldnt have much fear at all with giving NFCU a shot. Good luck, and keep us posted........and thanks for your service.
@Noximus03 wrote:I would thank you for your service, but then you'd thank me for mine. I'd have to thank you again, which will prompt you to thank me, and the never ending cycle would continue.
Here's my condensed DP's from my NFCU credit card application from this passed November.
1- I applied and was insta approved for $1,000.00.
2- I sent a secured message to NFCU disagreeing with my initial CL, basically I asked for an unusual recon.
3- They respond stating that the amount I was approved for is the maximum they can at the present time.
4- I respond back telling the truth "I already have three $500 cards, and I'm not interested in a fourth low CL card. What happens if I dont activate?"
5- 20 minutes later I get a reponse with an apology, and the final determination that my initial CLI will be $15,000. Wow! More people should try this . I started out at $500 and though disappointed, rolled with the punches lol. But to get a 14.5 increase on recon because your other cards were $500, is incredible. By that logic every rebuilder should be awarded 15k limits
As it stands now, my usage on that card is 28% and I use it a lot since its zero APR for me until April. I've combined my Cap1 Platinum, and QS1 into one card, got approved for a Discover for $1500, and killed one of my bucket cards completely. I was also approved for an auto refi (11.78% interest down to 5.89%), and a $5k CLOC with them. I'm sitting on 3 statements, but only at 71 days. Still have 20 to go before I apply for a second NFCU, and get the CLI on my green card. What is said above is totally true- NFCU does things their own way and use credit reports as more of a small window to look through. My thread on the above DP's is still on here if you want the full breakdown, but I wouldnt have much fear at all with giving NFCU a shot. Good luck, and keep us posted........and thanks for your service.
@Anonymous wrote:Here's the scoop Myfico...
A new guy here posting because I am driving myself crazy and would love some input!
Over the past year I have done some major damage control in regards to my life and more so my credit scores. In November 2017 my Ex FICO was 486. In early 2018 I was all about Credit Karma with low 500s and then something magical happened. I stumbled upon the MyFico forums and well... lets just say my life changed.
I was able to get a lot of derogatory information removed. School loan 120 day lates post consolidation, 3 collection PFDs and 2 Au accounts with lates involved all removed. I just payed my last charge off that was affecting my utl and woke up today with a 46 point bump on EX, 30 TU and 35 EQ. (apparently going from 64% utl to 2% is a big deal..
I have a Cap One Platinum card that I pc'd to a qs and got the $100 cli on my 4th step. I also have a Discover secured that should be graduating in 2 months.
What I am getting to here is that I have done all this with the help of MyFico. Just passively reading here at the forum has changed my life. Now my scores are in the mid 600s.
EX - 622
TU - 653
EQ - 643
My next objective is to open an account with NFCU. I have 2 cards right now and would like a 3rd before heading to the garden for a year. I feel like Navy would really be the most optimal and logical choice as I am in this rebuilding mentality and am overly vigilant in regards to my spending habits now. Currently with $900 in available credit and would love to have a chance at a legit card with a decent SL. I do have 2 - 3 year old collection accounts on my TU still that I haven't managed to get a PFD(Navy pulls TU for CCs and I am hoping thier age will help me out) I am an Army vet so that wont be an issue...for me its just a matter of when to pull the trigger. I tend to second guess myself with my scores and at times lack confidence with them as well. From what I have read my scores should be more then adequate and I have decent file with an AAOA at 8 years. Just a bit nervous to pull the trigger. Any insight would be extremely helpful as I navigate the next objective in my credit journey!
Cheers
Congrats on your improvements. This place has just the info you need.
Good Luck!
@Anonymous wrote:UPDATE: apparently the inital rep that I spoke with put down the wrong email and I was never able to receive the secured link to send the verification documents! So a week later I ended up going to the closest branch which is an hour away... turns out it was well worth it.
A representitive there opened up my savings account and helped me through applying. I was approved for the NF CR $7800 with a pretty good interest rate which is half of my two other cards!!
Well worth the trip and Navy rocks. Thanks for all your help guys and gals!
