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God I love NFCU

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madmann26
Valued Contributor

God I love NFCU

I've had my secured card for 3 statements now so I decided to pull the trigger on the cash rewards unsecured. I did send them an honest, heart felt message about how I'd worked on my credit and increased my score by almost 100 points in 2 months. I've also paid my secured card off every 2 weeks since I've gotten it.

To my amazement, I woke up this morning to the approval text. My scores are right at 600 for EQ and 619 for TU.

I'm approved for a $3, 000 CL.

I'd like to everyone who has ever contributed or helped on this board. This board is full of some of the most awesome people on the net.

-madmann26

Current Scores - 8/26/2025


FICO 9


EQ - 769


TU - 778


EXP - 762


Message 1 of 21
20 REPLIES 20
distantarray
Established Contributor

Re: God I love NFCU

that's amazing CL for your scores! congrats! =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 2 of 21
AF_23
Frequent Contributor

Re: God I love NFCU

They sure are lenient. Wish i had access to NFCU  Smiley Mad

Message 3 of 21
Epcot
Valued Contributor

Re: God I love NFCU

Nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 4 of 21
Anonymous
Not applicable

Re: God I love NFCU

Congratulations to you!!!

Message 5 of 21
Shogun
Moderator Emeritus

Re: God I love NFCU

You freaking rock madmann!!!!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 21
Anonymous
Not applicable

Re: God I love NFCU

Waking up to the text message approved is the best
Message 7 of 21
Jutz
Valued Contributor

Re: God I love NFCU

Do you need a roommate??

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 8 of 21
distantarray
Established Contributor

Re: God I love NFCU


@Jutz wrote:

Do you need a roommate??


I do only $3,000 a month =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 9 of 21
madmann26
Valued Contributor

Re: God I love NFCU

To add,

I have 2 active CA's. I have a rash of CO's to, albeit, all paid with a zero balance. I'm thankful.

Current Scores - 8/26/2025


FICO 9


EQ - 769


TU - 778


EXP - 762


Message 10 of 21
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