Exciting news...I've been helping my girlfriend to rebuild. I was able to get thin file cleaned of bad debts (collections, etc.) . At the beginning of all this I had her get an account with NFCU and maintain some small deposits. As the last collection fell off after paying it off (negotiated payoff with collections to include complete deletion), I suggested we now apply for another credit card.
Logged into NFCU today and selected CashRewards card...submitted app, and approval came back
DPs:
- 1 car loan (with some baddies and 92% on time pay), last baddie Sept '18
- TU HP: 707
- AAoA: 1y9m
- Inq: 4
- one CC: Cap1 w/ 300SL
- Income: $60K
I also added her as AU to two of my cards (NFCU - $24.8K) and (Macys Amex - $25K) 6 months ago.
@RickNATL wrote:Exciting news...I've been helping my girlfriend to rebuild. I was able to get thin file cleaned of bad debts (collections, etc.) . At the beginning of all this I had her get an account with NFCU and maintain some small deposits. As the last collection fell off after paying it off (negotiated payoff with collections to include complete deletion), I suggested we now apply for another credit card.
Logged into NFCU today and selected CashRewards card...submitted app, and approval came back
I also added her as AU to two of my cards (NFCU - $24.8K) and (Macys Amex - $25K) 6 months ago.
Those 2 AU accounts really helped. Job very well done.
Congrats on approval and monster SL!!!
also congrats on your girlfriend rebuild so far
