MAJOR Rebuild Step Thanks to NFCU

LifeIsAHighway · ‎02-28-2020

Hey all! Today I took a leap of faith & it paid off...BIG TIME!

I wanted to share my excitement with the AMAZING people here on MF. As of today, I'm 12 months & 29 days post discharge from my Ch7. I opened a $500 secured nRewards card with NFCU on 11/04/2019. My 3rd stmt cut on 02/08/2020 & that card has not yet graduated. However, today I decided to cold app NFCU for the cashRewards card. Honestly, I was expecting a denial or a low SL. But BAM! Instant approval. This is by far my highest CL since I began rebuilding. Feeling so blessed to finally be back in the game with a "real" SL. Navy for the win...again!!! My new card includes the 1.99% purchases/balance transfers for the 1st 12 months. Nothing's going to wipe the smile off of my face tonight.

*The Fico scores in my sig are currently accurate.

** SCROLL OVER ANY OF THE IMAGES BELOW FOR DETAILED INFO **

LOANS:

CREDIT CARDS:

Total CC CL $90,650 + HELOC CL $25,000 = Total CL $115,650

Ch7 BK Filed 10-29-2018
Ch7 BK Discharged/Closed 01-30-2019
Mortgage Reaffirmed in BK - Perfect Payment History Since Purchase

Fico 8 Scores - 04-2024

Fico 9 Scores - 04-2024

AllZero · ‎02-28-2020

Congratulations on your approval!

M_Smart007 · ‎02-28-2020

Congratulations!

LifeIsAHighway · ‎02-28-2020

@AllZero & @M_Smart007 - Thank you! It's an awesome feeling!!!

** SCROLL OVER ANY OF THE IMAGES BELOW FOR DETAILED INFO **

LOANS:

CREDIT CARDS:

Total CC CL $90,650 + HELOC CL $25,000 = Total CL $115,650

Ch7 BK Filed 10-29-2018
Ch7 BK Discharged/Closed 01-30-2019
Mortgage Reaffirmed in BK - Perfect Payment History Since Purchase

Fico 8 Scores - 04-2024

Fico 9 Scores - 04-2024

thornback · ‎02-28-2020

Congratulations!!

Amazing progress 😊

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

gingerflower · ‎02-28-2020

Congratulations on the awesome CL with Nfcu great balance transfer offer!! 👍

LifeIsAHighway · ‎02-28-2020

@thornback & @gingerflower - Thank you! I'm ready to start gardening now.

** SCROLL OVER ANY OF THE IMAGES BELOW FOR DETAILED INFO **

LOANS:

CREDIT CARDS:

Total CC CL $90,650 + HELOC CL $25,000 = Total CL $115,650

Ch7 BK Filed 10-29-2018
Ch7 BK Discharged/Closed 01-30-2019
Mortgage Reaffirmed in BK - Perfect Payment History Since Purchase

Fico 8 Scores - 04-2024

Fico 9 Scores - 04-2024

Anonymous · ‎02-28-2020

Amazing! Congrats to you!

LifeIsAHighway · ‎02-28-2020

@JAG73 - Thank you! Can't believe I'm back in with a Visa Signature.

** SCROLL OVER ANY OF THE IMAGES BELOW FOR DETAILED INFO **

LOANS:

CREDIT CARDS:

Total CC CL $90,650 + HELOC CL $25,000 = Total CL $115,650

Ch7 BK Filed 10-29-2018
Ch7 BK Discharged/Closed 01-30-2019
Mortgage Reaffirmed in BK - Perfect Payment History Since Purchase

Fico 8 Scores - 04-2024

Fico 9 Scores - 04-2024

Anonymous · ‎02-28-2020

Congrats on your sweet NFCU cashRewards approval!