Hello to all!! So, after I became a member here and reading and reading and reading and reaching out to others...I finally achieved something I once thought wouldn't happen!! I still have lots of work to do but I can definitely say and now feel the rewards of all the hard work and time spent here and doing the right things, financially.
My Fico scores are in the mid 600s. Navy pulled TU for a new card as usual. My TU Fico is 666 (awful number). I applied today with 6% UTL. I do have some derogatories and still 2 COs on my TU report, soon to be 1. No late payments with an AAOA of 5 yrs.
Based on my experience and from what I've read here I'm starting to think that my past relationships with my local CU held more weight then my initial thinking. I don't have a clean file by most standards. My initial relationship with NFCU started in Jan of 2019 with a savings account and the CR 7800. I've put about 10k through the CR in the past 3 months (vet bills with a sick pup) and was paid in full except for this most recent month which was reported with 6% utl.
I can't say thank you enough! This forum has been a life saver. I started in the upper 400s not even a year ago and now mid 600s with 35k revolving credit... A CO to be removed next month.....700s soon. Again, thank you to all and I hope this gives someone out there hope....
And a lower APR as well.... CHEERS!
Congrats on your approval and i'm with you buddy, I feel the same way about this Forum. These guys have saved my credit life!
Starting Score: 567
YOU...
CONGRATS my friend on your Approval and the LEGENDARY SL!!!
Congrats! Navy Federal ROCKS!
@armymed80,
👏🏼👏🏼👏🏼👏🏼
Awesome approval. Out of curiosity are your charge offs paid off or do they have a balance?
👏🏼👏🏼👏🏼👏🏼
Awesome approval. Out of curiosity are your charge offs paid off or do they have a balance?
Congrats on your NFCU Flagship approval and monster SL! It's always raining $$$$$$ at Navy Federal! 