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Disappointed with Navy Approval

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Regular Contributor

Re: Disappointed with Navy Approval

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

May 2020 EQ-715 TU-830 EX-813
UTIL: 1%
BK: 2013 (still reporting on EQ, expected off June/July) Rebuilding after BK13


Message 71 of 89
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Established Contributor

Re: Disappointed with Navy Approval


@AI_JMV wrote:

@ntm1087 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.









Message 72 of 89
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Community Leader
Senior Contributor

Re: Disappointed with Navy Approval

Congrats OP 30K what a reconSmiley Happy

EXP 758 TU 783 EQ 729
Message 73 of 89
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Established 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 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 74 of 89
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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 

May 2020 EQ-715 TU-830 EX-813
UTIL: 1%
BK: 2013 (still reporting on EQ, expected off June/July) Rebuilding after BK13


Message 75 of 89
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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

May 2020 EQ-715 TU-830 EX-813
UTIL: 1%
BK: 2013 (still reporting on EQ, expected off June/July) Rebuilding after BK13


Message 76 of 89
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New Contributor

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!  💪🏻🎉

Scores as of 05/2020
EX FICO - no score
TU FICO - no score
EQ FICO 09 - 755

NFCU nRewards Secured Visa
Discover Secured IT
BB&T Spectrum Cash Rewards Signature Visa



Message 77 of 89
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Valued Member

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 🤷🏾‍♀️






Message 78 of 89
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Regular Contributor

Re: Disappointed with Navy Approval

@GoNavy  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

May 2020 EQ-715 TU-830 EX-813
UTIL: 1%
BK: 2013 (still reporting on EQ, expected off June/July) Rebuilding after BK13


Message 79 of 89
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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

 

 

May 2020 EQ-715 TU-830 EX-813
UTIL: 1%
BK: 2013 (still reporting on EQ, expected off June/July) Rebuilding after BK13


Message 80 of 89
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