cancel
Showing results for 
Search instead for 
Did you mean: 

NFCU 15k!!! Highest SL ever!

Highlighted
Contributor

NFCU 15k!!! Highest SL ever!

Just approved for 15K flagship rewards, TU 631 Pull in PA. I have been with navy for over 90 days below 120 though. I have the cash rewards card( opened at joining) at 1000K used often and pay in full each month. My current uti across all lines is 8%. Last late payment was one year ago. No collections , 1 settle , 2 pay in full, 1 shows balance of 4K listed as derogatory. Income is my fiancee at 146K which I used on the application both times. I am an AU on 3 lines totaling 41K. My personal cards are discover secured $1300, Cap one QSO $500, PayPal 2% $2000.

I can’t belive how well they treated me! Thank you all for the help!
FICO 8 Scores: Exp 603, Equifax 597, Trans 574 as of 6/7/2018. 6/8/2019

FICO 8. EXP 661, EQ 664, TU 640. In the Garden Starting 09/26/2019
Message 1 of 11
10 REPLIES 10
Highlighted
Frequent Contributor

Re: NFCU 15k!!! Highest SL ever!

A huge congrats to you!! NFCU strikes again! Love these success stories. 👌🏾

Anxiously awaiting my 91 / 3 🤞🏾

06.2019

03.2018

NFCU CLOC: $15,000
Message 2 of 11
Highlighted
Established Contributor

Re: NFCU 15k!!! Highest SL ever!

@ Newtophilly

 

First things first: From one veteran to another, Thank You for your service! Smiley Very Happy

 

Super Congrats on your Navy Fed $15,000 Flagship Rewards approval! Smiley Very Happy

 

You're the second person in 2 days I've read about here in the myFICO forum

who was approved for a Flagship Rewards with a FICO 8 TU in the low 630s.

Navy Fed really goes out of their way to create opportunities for folks who

would never be given a fair shake with other financial institutions. BTW, here's

the link to the other post I referenced. It's very similar to yours. Congrats again! Smiley Very Happy

 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/NAVY-91-3-Second-Card-Approval/td-p/5410262

Message 3 of 11
Highlighted
Valued Contributor

Re: NFCU 15k!!! Highest SL ever!

That's definitely impressive, congrats to you!!


Message 4 of 11
Highlighted
Established Contributor

Re: NFCU 15k!!! Highest SL ever!


@Newtophilly wrote:
Just approved for 15K flagship rewards, TU 631 Pull in PA. I have been with navy for over 90 days below 120 though. I have the cash rewards card( opened at joining) at 1000K used often and pay in full each month. My current uti across all lines is 8%. Last late payment was one year ago. No collections , 1 settle , 2 pay in full, 1 shows balance of 4K listed as derogatory. Income is my fiancee at 146K which I used on the application both times. I am an AU on 3 lines totaling 41K. My personal cards are discover secured $1300, Cap one QSO $500, PayPal 2% $2000.

I can’t belive how well they treated me! Thank you all for the help!


Congrats.  Curious, was this an "offer" in the offers section or did you just apply?




Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
12-1-19 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG | AMEX Biz Gold NPSL
Message 5 of 11
Highlighted
Super Contributor

Re: NFCU 15k!!! Highest SL ever!

Nice approval for you. NFCU rocks!

Message 6 of 11
Highlighted
Contributor

Re: NFCU 15k!!! Highest SL ever!


@spiritcraft1 wrote:

@Newtophilly wrote:
Just approved for 15K flagship rewards, TU 631 Pull in PA. I have been with navy for over 90 days below 120 though. I have the cash rewards card( opened at joining) at 1000K used often and pay in full each month. My current uti across all lines is 8%. Last late payment was one year ago. No collections , 1 settle , 2 pay in full, 1 shows balance of 4K listed as derogatory. Income is my fiancee at 146K which I used on the application both times. I am an AU on 3 lines totaling 41K. My personal cards are discover secured $1300, Cap one QSO $500, PayPal 2% $2000.

I can’t belive how well they treated me! Thank you all for the help!


Congrats.  Curious, was this an "offer" in the offers section or did you just apply?

 

 

\


@spiritcraft1 wrote:

@Newtophilly wrote:
Just approved for 15K flagship rewards, TU 631 Pull in PA. I have been with navy for over 90 days below 120 though. I have the cash rewards card( opened at joining) at 1000K used often and pay in full each month. My current uti across all lines is 8%. Last late payment was one year ago. No collections , 1 settle , 2 pay in full, 1 shows balance of 4K listed as derogatory. Income is my fiancee at 146K which I used on the application both times. I am an AU on 3 lines totaling 41K. My personal cards are discover secured $1300, Cap one QSO $500, PayPal 2% $2000.

I can’t belive how well they treated me! Thank you all for the help!


Congrats.  Curious, was this an "offer" in the offers section or did you just apply?


This was not an offer - I have yet to have one/anything show up in the offer section.

FICO 8 Scores: Exp 603, Equifax 597, Trans 574 as of 6/7/2018. 6/8/2019

FICO 8. EXP 661, EQ 664, TU 640. In the Garden Starting 09/26/2019
Message 7 of 11
Highlighted
Established Contributor

Re: NFCU 15k!!! Highest SL ever!



This was not an offer - I have yet to have one/anything show up in the offer section.


I asked because I just had that card show up in my offers.  I have never had anything show up before either.  I am hesitant to believe it being just below 600 FICO but do have two years of perfect history with my nRewards secured card.  Regardless of all that...  nice limit!




Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
8-1-18 -
12-24-18 -
12-1-19 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG | AMEX Biz Gold NPSL
Message 8 of 11
Highlighted
Valued Contributor

Re: NFCU 15k!!! Highest SL ever!

Real nice approval, Ntp -- Congratulations!

And thank you for all the detail and DPs.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (05/20/2020): FICO 08 EXP: 743; TU: 751; EQ: 759
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 9 of 11
Highlighted
Regular Contributor

Re: NFCU 15k!!! Highest SL ever!

Congrats on the awesome SL!





ONE stubborn 30 day late: 6 yrs 1 mo ago
Gardening until May 2021 (or later....we shall see) ***Chase 3/24***

Lost my oldest account on Exp which is the reason for the drastic score difference - pretty bummed about that
Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.