Applied for NFCU membership. First, opened savings only. Applied for Cash Rewards CC - approved for $1000 SL. Opened checking account after that. This all in same day. Plan to transfer my banking completely to NFCU. Next DD date is at end of October. TU was hit with HP.
FICO 8 scores
TU 648
EQ 659
EX 640
Cap1 CO from 5 years ago on all 3 - working on getting reporting issue with it resolved.
EQ has CA listed for same CO as above. - PFD in progress.
Existing cards before applying
C1 QS $500
C1 QS1 $1000
Discover Secure $300
Utilization near 5%. Beginning AZEO now.
Have student loans in good standing and high APR auto loan that I am upside down in (15K left to pay). Plan on paying off auto loan by Aug 2021. In the rebuilding process since Feb where I started in the 530s for all 3. My plan is to sit back and relax now. Will try for CLI after the 3/91 but will probably wait on 2nd NFCU card a bit longer. Current income in low 70's but expected to jump to mid 90's next year.
