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🌱 Growing credit for a brand new adult 🌱

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babygirl1256
Senior Contributor
‎08-25-2022 12:37 AM
‎08-25-2022 12:37 AM

Re: 🌱 Growing credit for a brand new adult 🌱

Congrats to your man-child on his NFCU CLI . . . that's awesome!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 11 of 16
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805orbust
Valued Contributor
‎08-25-2022 03:59 AM
‎08-25-2022 03:59 AM

Re: 🌱 Growing credit for a brand new adult 🌱

@nytokyobred79 I tell my 20 year old all the time that I remember 20 when I knew everything. It was so cool. 😂



Message 12 of 16
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SUPERSQUID
Valued Contributor
‎08-25-2022 05:30 AM
‎08-25-2022 05:30 AM

Re: 🌱 Growing credit for a brand new adult 🌱

CONGRATS to the young man.

Did he request that interest reduction?

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 13 of 16
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ambivalent
Established Contributor
‎08-25-2022 08:05 AM
‎08-25-2022 08:05 AM

Re: 🌱 Growing credit for a brand new adult 🌱

Congratulations! That is awesome! 

Aiming for 700 across FICO 8 and $150K TCL
Message 14 of 16
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cashorcharge
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎08-25-2022 02:40 PM
‎08-25-2022 02:40 PM

Re: 🌱 Growing credit for a brand new adult 🌱

WooHoo!! Congratulations on his Approval!!👏🏼🍾🥂

Message 15 of 16
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Hut1
Established Contributor
‎08-25-2022 04:35 PM
‎08-25-2022 04:35 PM

Re: 🌱 Growing credit for a brand new adult 🌱

@SUPERSQUID wrote:

CONGRATS to the young man.

Did he request that interest reduction?

@SUPERSQUID He did not. I guess they evaluated his profile for the APR reduction and CLI at the same time. 






Message 16 of 16
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