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Library of Congress FCU $10k approved

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Established Contributor

Library of Congress FCU $10k approved

EQ 771 ( updated DP.....pulled FICO 5 ....score of 778)
UTI 5%
3 Inq
5 new revolving accts in last 6 months
Asked for $10k.
Send in 2 paystubs for POI.

Been a member for approximately 3 months...$10 in checking...$10 in savings.
No other products.

Back door CU membership through Virginia Library Association.

Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 1 of 15
14 REPLIES 14
Regular Contributor

Re: Library of Congress FCU $10k approved

Congrats on the Approval.

Starting Score: 567
Current Score: 739
Goal Score: 760


Take the myFICO Fitness Challenge
Message 2 of 15
Community Leader
Valued Contributor

Re: Library of Congress FCU $10k approved

Nice SL! Congrats!
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
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Once you go Berner, you never go back.
Message 3 of 15
Moderator

Re: Library of Congress FCU $10k approved

Congrats had to look it up that looks like a fixed APR credit card at 9.75%.. Nice being "fixed"

Message 4 of 15
Senior Contributor

Re: Library of Congress FCU $10k approved

Congrats on your approval and very nice SL / low Apr !!!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 15
Regular Contributor

Re: Library of Congress FCU $10k approved

Congrats on the approval and awesome SL! Any DP's on your recent tradelines in last 6/12/24?






Message 6 of 15
Established Contributor

Re: Library of Congress FCU $10k approved


@CreditCuriosity wrote:

Congrats had to look it up that looks like a fixed APR credit card at 9.75%.. Nice being "fixed"


Yeah.....not too bad.

I'm looking to pad my UTI some but really didn't need anymore rewards cards.

I read some good things about them on here ( very limited) and decided to at least join and let it percolate in case I decided to pull the trigger.

The Virginia Library Association is regional but when joining online they don't really ask where you live.....I just checked a box for a region but submitted my own addy.

It's automated so it just took my dues and made me a member. Then I joined the CU.

 

Maybe down the line I'll try a LOC or something......

Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 7 of 15
Established Contributor

Re: Library of Congress FCU $10k approved

I actually had a large financial problem about 8 years ago and burned just about every card I had.
All the big ones ...Navy, Penfed, USAA, Alliant, Boeing......I am blacklisted from all.

So it was just this last year in November I was down to about 1 derogatory and starting rebuilding because 7 years and everything was falling off.
Still had some positive things on my reports that never fell off so they are over 10 years of age.

Score were in the high 500's in Nov
Fingerhut 400cl
Got a 200cl secured Disco
1500cl secured TD Cash
...and a $500cl Cap unsecured

In January my scores were in the mid 600's and EQ was 700ish because last derog fell off this first

February got a Quicksilver for 500
Auto loan through DCU for 11000 (EQ puller)
And small 500 installment from DCU

Scores went to all low 700's by end of March because the last derogatory fell off.

So with the old 10yr accounts (all closed but reported positive) and the new tradelines my scores this month were EQ 771 TU 742 EX 738

So I apped for the DCU Plat for 10k, the Library of Congress FCU for 10k, PayPal MC for 3k, and waiting to hear from Fidelity.


That's my story....wait it out, start small, let derogs fall off, get installment and auto for credit mix, keep UTI low, and apply to places that take your strongest credit report,
Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 8 of 15
Regular Contributor

Re: Library of Congress FCU $10k approved

Awesome, thank you for your story. I am happy to hear about your rebuild, you seem to be on the right track so congrats on that as well! 






Message 9 of 15
Established Contributor

Re: Library of Congress FCU $10k approved


@CreditCuriosity wrote:

Congrats had to look it up that looks like a fixed APR credit card at 9.75%.. Nice being "fixed"


And on top of it all the vanity side of me thinks it's one very cool looking card....lol

VisaCardUPDATE2016 (1).png

Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 10 of 15
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