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NFCU Secured

careb3ar
New Contributor

NFCU Secured

 So Im back in the forums. After experiencing a setback on my prior rebuild from chapter 7. I finally got my foot in the door with NFCU by joining the Navy League. I applied for the goRewards but was denied. Denial letter stated my loan balances was too high in relation to income. The only reason listed. I am a trucker now, making 45k a yr but have twice that in debt thanks to student loans. 

 

Anyhoo I got an email also that said while I was denied for goRewards I should apply for the secured. I had $500 sitting in my savings and thats the limit they gave. Its nowhere as impressive as others but I was siked and wanted to share. 

 

Thanks to everyone who has posted in the forums over the years. Your tips have really been a shining light for me in my struggle to greatness!!Heart

Ch 7 Pro Se Discharged 12/1/15
Rebuild restart on 11/2019 Fico 5/28 TU613 EQ583 EX590
Quicksilver $600 Quicksilver $600 First Premier $400 NFCU Secured $500
Message 1 of 29
28 REPLIES 28
AllZero
Super Contributor

Re: NFCU Secured

Congratulations on your approval!

Message 2 of 29
careb3ar
New Contributor

Re: NFCU Secured

Thank you so much! Smiley Happy

Ch 7 Pro Se Discharged 12/1/15
Rebuild restart on 11/2019 Fico 5/28 TU613 EQ583 EX590
Quicksilver $600 Quicksilver $600 First Premier $400 NFCU Secured $500
Message 3 of 29
James_A
Senior Contributor

Re: NFCU Secured


@careb3ar wrote:

... I had $500 sitting in my savings and thats the limit they gave ...


Congrats! getting in with Navy. Smiley Happy Take good care of that card -- use & pay regularly -- and it will graduate. Then comes card#2 -- likely 15 - 20k. Be patient. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 4 of 29
careb3ar
New Contributor

Re: NFCU Secured

Thank you! I will definitely use this card properly and wait for my "graduation"

Ch 7 Pro Se Discharged 12/1/15
Rebuild restart on 11/2019 Fico 5/28 TU613 EQ583 EX590
Quicksilver $600 Quicksilver $600 First Premier $400 NFCU Secured $500
Message 5 of 29
GoNavy
Frequent Contributor

Re: NFCU Secured

Congratulations! 🛳 🎉

Message 6 of 29
gdale6
Moderator

Re: NFCU Secured

Grats on getting the secured approved Smiley Happy
Message 7 of 29
M_Smart007
Epic Contributor

Re: NFCU Secured

Congratulations on your approval! ...

Message 8 of 29
careb3ar
New Contributor

Re: NFCU Secured

Thank you! ☺

Ch 7 Pro Se Discharged 12/1/15
Rebuild restart on 11/2019 Fico 5/28 TU613 EQ583 EX590
Quicksilver $600 Quicksilver $600 First Premier $400 NFCU Secured $500
Message 9 of 29
careb3ar
New Contributor

Re: NFCU Secured

Thank you so much! I love the 2 quotes in your signature 👍

Ch 7 Pro Se Discharged 12/1/15
Rebuild restart on 11/2019 Fico 5/28 TU613 EQ583 EX590
Quicksilver $600 Quicksilver $600 First Premier $400 NFCU Secured $500
Message 10 of 29
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