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Coastal Federal Credit Union - OMG (thanks, Mom!)

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Frequent Contributor

Re: Coastal Federal Credit Union - OMG (thanks, Mom!)

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Congratulations! I can totally identify with you on the not being preapproved for anything "normal." I did get a Discover IT, but until today (when I got approved for a Navy Federal MC) I can't even get a nibble from anywhere else. I totally get your elation! Congratulations again!

FICO8: Nov 20, 2018:
FICO8: Sept 25, 2019:
Goal for December 2019: FICO 640-700
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $1000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $2,250, Walmart $500, Discover IT Cash Back $2000, Navy Fed cashRewards $1000, Shell (Citi) Fuel Rewards, $800, Navy More Rewards, $17,000, (Green Dot Platinum Secured, $200, to be cancelled.)

Starting Score: 539
Current Score: 659
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 11 of 20
Established Contributor

Re: Coastal Federal Credit Union - OMG (thanks, Mom!)

The auto loan just showed up on my Coastal web site account page. And, instead of 3.74%, it shows up as 3.54%

 

Smiley Surprised



FICO 8 scores are deceptively high. My profile is very young with a lot of recently opened accounts and large number of inquiries. No derogs. Over 5/24 until summer 2021.

Authorized user / Corporate

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Unsecured personal loan from Coastal, $1,000, 05/19-08/19.

Goal cards: Ducks Unlimited, Chase Sapphire Reserve (or Preferred, haven't decided). Increased CLs across the board.
Long-term goal: Legitimate 770s on EX/EQ/TU, able to qualify for most normal credit products. Prime-rate mortgage.
Message 12 of 20
Valued Contributor

Re: Coastal Federal Credit Union - OMG (thanks, Mom!)

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Message 13 of 20
Established Contributor

Re: Coastal Federal Credit Union - OMG (thanks, Mom!)

Congrats on the approvals!

 

Gotta love credit unions! While the credit card offerings at my tiny little 2 branch CU are *Meh!*, I've never had a problem with them since I moved over from Chase over 10 years ago. I've got cell numbers for a branch manager and an underwriter should I ever need them Smiley Happy

Amex PRG (NPSL), Amex Blue Cash ($8K), Amex Simply Cash+ ($4K), Discover ($20.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($67.6K), Paypal credit ($7.8K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 14 of 20
Valued Contributor

Re: Coastal Federal Credit Union - OMG (thanks, Mom!)

Congrats on the approval!  Moms are pretty great Smiley Wink

Message 15 of 20
Valued Contributor

Re: Coastal Federal Credit Union - OMG (thanks, Mom!)

Congratulations on your approvals for the car loan and credit card.  Coastal is an excellent CU. I used to bank there when I lived in NC.

 

Guyatthebeach

Message 16 of 20
Contributor

Re: Coastal Federal Credit Union - OMG (thanks, Mom!)

Congrats on the awesome rate on your car loan and excellent SL on the new CC!
FICO 8 Scores 4/1/2018: 694 EX 714 EQ 740 TU FICO 8 Scores 6/16/2019 770 EX 798 EQ 791 TU

WF Cash Wise $18,800 [] PenFed Power Cash $20,000 [] BOA $4,900 [] HSBC Cash Rewards $2,750 [] Discover It $4,600 [] Maurice’s $5,000 [] CO Savor $15,000 [] NFCU Flagship $10,000 [] Amex Rose Gold [] Walmart $800
Message 17 of 20
Established Contributor

Re: Coastal Federal Credit Union - OMG (thanks, Mom!)

Congrats! I definitely understand your excitement!! We all have to start (or restart) somewhere, so this is quite an accomplishment. I’m sure you’re well on your way to bigger things soon.


October 2019:

Stats:
Message 18 of 20
Established Contributor

Re: Coastal Federal Credit Union - OMG (thanks, Mom!)

Congrats!

 

Magnifico!


Awesome rate on both the card and sweet auto loan!

 

Is this the real life, or is it just fantasy?  that be freddy mercury huh?

 



[Penfed Platinum Rewards 10k][TD Ameritrade-2k][BOA Cash Rewards 22k][NFCU cashRewards 25k][TDcash 5k][IHG 14.2k][BOA 15.8k][Amazon Prime Store 10k][Amazon PrimeVS 500][Amex BCE 6k][WellsFargo CashWise 14k][PNC Core 19.5k][WalmartMC 10k][SearsMC 12.5k][Lowes 35k][Toyota 15k][Capital One 5250][BP 10k][Home Depot 24.2k][Chase FU 6.6k][Discover 22.5k]
- [BOA CR $12.5k][Amex SC+ $13.5k][Amex B4B $35k][Chase Ink $45k][PNC $25k]
Message 19 of 20
Valued Contributor

Re: Coastal Federal Credit Union - OMG (thanks, Mom!)

Congratulations on your approvals! Awesome story! I do love my credit union, which is my main banking hub!

"Hover mouse over cards to see CL and APR info"


Message 20 of 20
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