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Disappointed with Navy Approval

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AI_JMV
Regular Contributor

Re: Disappointed with Navy Approval

@Gotham-  Smiley Very Happy Smiley Very Happy Smiley Very Happy Smiley Very Happy Smiley Very Happy 

Sept 2022 EQ-825 TU-840 EX-830
UTIL: 1%
Message 71 of 89
recoveringfrombk7
Established Contributor

Re: Disappointed with Navy Approval


@AI_JMV wrote:

@Anonymous They pulled TU.  I had EQ locked, but they still might have SP'ed it.


Unlikely that it's the BK alone.  Mine is way fresher.











Desired BK recovery line up complete 7/12/2021. Planning to garden until 8/2023 and potentially try for AMEX.
Message 72 of 89
Jnbmom
Credit Mentor

Re: Disappointed with Navy Approval

Congrats OP 30K what a reconSmiley Happy

EXP 780 EQ 791TU 795
Message 73 of 89
SFLSpotter9210
Valued Contributor

Re: Disappointed with Navy Approval

So that I'm understanding this completely. You ran 300k through your personal cards last year and you earn 562k a year? Not to mention you filed chapter 13 in 2013 in a somewhat good economy. Am I the only one that doesn't understand it?

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 74 of 89
AI_JMV
Regular Contributor

Re: Disappointed with Navy Approval

@SFLSpotter9210  I filed for chapter 13 in 2013 because my ex-husband emptied our bank account and skipped the country. Smiley Happy I also wasn't making this kind of money in 2013.  Last year I closed on my house that I had been building since 2018, and actually just refinanced on this week! And anyway, I furnished the heck out of it.  I've come a long way since 2013 Smiley Wink 

Sept 2022 EQ-825 TU-840 EX-830
UTIL: 1%
Message 75 of 89
AI_JMV
Regular Contributor

Re: Disappointed with Navy Approval

@SFLSpotter9210  This was just AMEX Plat for 2019

 

Screen Shot 2020-05-22 at 10.55.04 PM.png

Sept 2022 EQ-825 TU-840 EX-830
UTIL: 1%
Message 76 of 89
Anonymous
Not applicable

Re: Disappointed with Navy Approval


@AI_JMV wrote:

@SFLSpotter9210  I filed for chapter 13 in 2013 because my ex-husband emptied our bank account and skipped the country. Smiley Happy I also wasn't making this kind of money in 2013.  Last year I closed on my house that I had been building since 2018, and actually just refinanced on this week! And anyway, I furnished the heck out of it.  I've come a long way since 2013 Smiley Wink 


Sounds like 2013 was not very kind to you, way to come back.....congratulations on your new home and furnishing the heck out of it, I’m sure it’s beautiful!  💪🏻🎉

Message 77 of 89
Lostinthegame
New Contributor

Re: Disappointed with Navy Approval

Nicely done on the recon!

I totally understand the disappointment with Navy Fed. I got 1k in February when my score was at 720 EX but today, after 91/3 I got 3K..wondering if I should go for the second but don't feel like getting a hard pull

I have a BK from 2014 on TU alone and Amex is not budging for me though 🤷🏾‍♀️


Goal cards:
Message 78 of 89
AI_JMV
Regular Contributor

Re: Disappointed with Navy Approval

@Anonymous  Thank you so much.  It was the worst and best experience of my life. I never would be where I am now had I not gone through it, so I always say you never know what God has planned for us, especially when you are really going through it.  But, His plan always reveals itself one way or another. Smiley Happy I plan on posting the wholeeeee story as soon as the BK falls off EQ.  It is quite something.. check for it in the BK channel next month! Smiley Very Happy

Sept 2022 EQ-825 TU-840 EX-830
UTIL: 1%
Message 79 of 89
AI_JMV
Regular Contributor

Re: Disappointed with Navy Approval

@Lostinthegame  Really? That is so weird.  Usually when you are 5y1mo AMEX will welcome you after BK, unless you burned them, and then you are doing 10 to life lol. Some people never get out of Amex black list prison unfortunately.  :-/ Congrats on your CLI with Navy tho.. I didn't get anywhere with the recon with them, so I will just do my time with them and hopefully in 3 months there will be a new result. Smiley Happy

 

 

Sept 2022 EQ-825 TU-840 EX-830
UTIL: 1%
Message 80 of 89
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