Once again NFCU has been unbelievably generous to a poor soul!
Here’s my credit profile:
Fico 8 - EQ/TU at 580-595
They pulled TU with 5 collections, 5 inquiries
Collections total 2.5k
65% utilization
Platinum card has a limit of 10k
College credit union card has limit of 500
60k in student loans
Average age of credit 3 years
Oldest line 8 years
60,000 income (been with company 1 year)
And asked for CLI on 91/3
Original Platinum card went to 24 hour review
So I applied for the green card and was approved for 15k @15.99.
Declined on CLOC but still hoping for the CLI on the Platinum. At this point it’s more than enough credit needed to move and very happy with what I’ve been approved for today. I received an intro offer of 0 APR for first six months and plan on using that to pay off the rest of my minor collections. Recently launched a business and went out of town for work so a lot of upfront costs that should be paid off very soon. Combined with the new limit and the incentive my score is for sure going to jump!!
Merry Christmas to me!!!