My Local Credit Union CLI/Truck Refinance/Personal... - myFICO® Forums

Golf-and-Credit · ‎05-17-2021

Good afternoon!

Just got approved through my local credit union (Numerica) for a CLI on a $500 card I opened in 2016 when I joined. $1500 increase to $2000 on a sock drawer card! Also refinanced my truck to a 2% interest rate and grabbed a small personal loan to pay off the remaining credit card debt we had at a lower interest rate than the actual cards! Not a bad day on 1 hard pull!!! My DW and I went through some tough times in 2012 with our finances, gutted it and paid (almost) everything off and have felt our success the last couple of years. It is nice to hear that you are a Tier 1 borrower from a bank! My credit union pulled Equifax at 775. Thank so much for everyone who posts their own stories on here! I am obsessed with this forum!

Experian FICO 8: 826/2 inq’s 1/12, 3/24
Equifax FICO 8: 820/3 inq’s 1/12, 3/24
Transunion FICO 8: 821/2 inq’s 0/12, 2/24

AMEX Platinum: NPSL
AMEX Gold: NPSL
AMEX Everyday Preferred: $22,500
Capital One Quicksilver: $5750
Numerica Credit Union Platinum: $2000
Military Star: $8300
1% utilization

Fico_Salamanca · ‎05-17-2021

Congrats!

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CreditAggie · ‎05-17-2021

Congratulations on your approvals!

Current Cards (in order of approval):

Current FICO 8 | 9:

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

AllZero · ‎05-17-2021

Congratulations on your CLI and approvals!

Anonymous · ‎05-17-2021

That's a lot of mileage for one HP indeed, congrats!

gdale6 · ‎05-17-2021

Lots of approvals for you today, CUs are great

Slabenstein · ‎05-17-2021

Congrats! You've made a loan officer at your credit union very happy, so you're doing good in the world.

ComeBackLady · ‎05-17-2021

@Golf-and-Credit wrote:
Good afternoon!

Just got approved through my local credit union (Numerica) for a CLI on a $500 card I opened in 2016 when I joined. $1500 increase to $2000 on a sock drawer card! Also refinanced my truck to a 2% interest rate and grabbed a small personal loan to pay off the remaining credit card debt we had at a lower interest rate than the actual cards! Not a bad day on 1 hard pull!!! My DW and I went through some tough times in 2012 with our finances, gutted it and paid (almost) everything off and have felt our success the last couple of years. It is nice to hear that you are a Tier 1 borrower from a bank! My credit union pulled Equifax at 775. Thank so much for everyone who posts their own stories on here! I am obsessed with this forum!

Congratulations most of all on beings Tier 1 borrower! All that hard work does pay off!

That said, now let's get in a W00t W00t 🥳🥳 for your CLI and loans! 🥳🥳 Enjoy it!

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697
Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s

OpenSky Secured $700, CLI $800