I finally broke the $5k barrier with a DCU CC. When I was looking for a CU to join I heard many good things about DCU and with a clean EQ and a MyFico score of 790 I made the jump. They instantly approved me over the phone for $5K with an 8% rate. Now it's time to garden for a few months and try for a Chase Disney card because of my 2 year old daughter and all the time we spend at Disney (year pass holders) and a good rewards card.
I had SL baddies that just fell off EX (After rehabbing) and my EX FAKO score went from 650 to 724 (I know to take it with a grain of salt) but when I apped with AMEX a couple of weeks ago they said my EX FICO score was 647 so I am hoping for the best on that one 
I am still waiting for TU to update and hopefully they don't give me much hassle like I have read for others. Either way I have spoken to Colorado Student Loans and they said to give them a call if they don't update by mid-month and they will help with the removal.
I'm super stoked and will be relieved when the final negative TL is removed and I can continue with my credit life
@KausticRage wrote:I finally broke the $5k barrier with a DCU CC. When I was looking for a CU to join I heard many good things about DCU and with a clean EQ and a MyFico score of 790 I made the jump. They instantly approved me over the phone for $5K with an 8% rate. Now it's time to garden for a few months and try for a Chase Disney card because of my 2 year old daughter and all the time we spend at Disney (year pass holders) and a good rewards card.
I had SL baddies that just fell off EX (After rehabbing) and my EX FAKO score went from 650 to 724 (I know to take it with a grain of salt) but when I apped with AMEX a couple of weeks ago they said my EX FICO score was 647 so I am hoping for the best on that one
I'm super stoked and will be relieved when the final negative TL is removed and I can continue with my credit life
DCU is the bomb! lol congrats on the upgrades, but have you looked at Chase Disney Debit? they give disney discounts as well lol
@KausticRage wrote:I thought about it but I don't need a third checking account and the rewards are better on the CC. You get 2% on all Disney, gas, restaurant and grocery stores and the debit only gets you 10% on select merchandise. Another big plus is you get a $100 Disney gift card after $500 spend in 3 months.
How is DCU with CLI love and what is the recommended time to wait before requesting a CLI?
well considering 2% isn't much I would much prefer to get other 2% cards out there like Priceline imo, I think your little girl would rather see this than Micky 
SHATTERIZE IT 
It's 2% on EVERYTHING with no annual fees.
For gas , restaurants , and grocery stores there are PLENTY of better cards out there, especially with MUCH better sign up bonuses.
I agree on the rewards and I have my eye out on other cards like BCP/E and others. The sole purpose for the Disney card is for any Disney related purchases since we are frequent vistors to their parks and buyers of their products
Congrats!!
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Congrats on your approval! And nice starting CL, too.
That's great, Congrats!
Starting Score: EQ 717 EX 724 TU 736
can you tell me what this means? After rehabbing? Thanks and congrats on the DCU card! Nice work