NFCU CR APPROVAL. SUCCESS!

[Anonymous]

I've been on this crazy journey of rebuilding from mid 400's across the board in Novemeber 2017 to EX/TU/EQ 622/653/643 as of 1/20/2019. In the spirit of keeping this short - I'm the classic myfico story.. I have a Cap1 subprime Platinum $400 getting ready for my 5th step next month as well as a secured Discover $500 that will soon graduate (hopefully)! 

My plan was to get into the 600's across the board and then app for a 3rd card and from all the reading I did NFCU was the obvious choice. I have such anxiety around applying for things now after all the wreckage I created neglecting my credit in the past so it wasn't an easy process by any means. 

A week ago I applied over the phone with NFCU and I thought things were moving forward. I paid my last charge off which brought my UTL to 1% with my $20 balance reporting on one card.. several days went by and never received my secure link.. kept calling and they kept sending but I never got it. Turns out the original rep had the wrong email. Initially taking this as a sign.. I had to put the emotions aside and I decided to go on a mini road trip to the closest branch an hour from me to pull the trigger and see what a mid 600 TU score would bring me. 

Palms sweaty a rep at NF pushed through my initial app...followed by a cash rewards cc application... needless to say I had a good amount of anxiety and she kind of messed with me asking about what sort of limit I wanted and my replies were along the lines of really I just want to get in the door - anything really... I still have 2- 2 year collections on my TU so I thought I was really rolling the dice here. On the other end I did lots of work to get 10 late payments removed (student loans, Cap1 AU) and several other derogatory accounts.. 

She had a huge smile and asked how $7800 sounded... 

So yea, with some baddies reporting I pulled out a NFCR SL of $7800!! HUGE for me. My first signature card post destroying my credit and I'd like to think all the obsessing and reading here at Myfico is starting to pay off.  Thinking already...89 days and 3 statements...2nd card or cli...the wheels are turning..

Cheersss!!!

[CAS2019]

Congratulations 🍾🎈🎊🎉 

[KingPredator]

Congrats on the approval and very good SL. 😀

[CerebralZulu]

Congrats, sound plan and patience paid off. Better SL than I had.

[Anonymous]

Congrat-ru-rations!   

[Fire6546]

Congrats!

[AverageJoesCredit]

Man that is sweet Well deserved and thanks for your service. So your dreams dont derail, remember its 91 days 3 statements before you can request cli. Make sure to have minimum 3 statement cuts and even if you have to wait to get 95 days. Some people have 3 statement cuts earlier than 90 days .

[Anonymous]

Congratulations, OP 👏🏾 And a huge thanks for your service.

[Anonymous]

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@AverageJoesCredit wrote:
Man that is sweet Well deserved and thanks for your service. So your dreams dont derail, remember its 91 days 3 statements before you can request cli. Make sure to have minimum 3 statement cuts and even if you have to wait to get 95 days. Some people have 3 statement cuts earlier than 90 days .

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Thanks everyone!! I've been reading hundreds if not thousands of posts about NFCU and it payed off spending the time to get rid of the majority of my derogatories! 

@AJC - Thanks man! I was trying to be funny in that its almost been a day and a half since my approval and am already counting the days until my first cli or second card.. LOL  But, to your point I didn't realize that someone could hit 3 statements before/after the magic 91...so thanks for the info! 

[AverageJoesCredit]

Lol, no problem. Navy can do that for us. Im still amazed how they take care of all members big and small unlike other CU's ive seen. It makes credit fun. Look foward to you next Navy success Enjoy