WOW! I have been reading this site for a while and taking baby steps to boost my credit score. I now have to just wait for a couple of more baddies to fall off and have been able to get some credit cards with some decent credit lines. Barclay 3300. RBFCU 2000. Capital One 1500. Yesterday I signed up to bank with Navy FCU. I am prior military, receive VA disability and also currently work in the federal service. I was disappointed to find out today that I got a hard inq from Navy for opening the bank account.
Today I noticed that my new banking account said that I was "pre-selected" for their cash rewards card. Since I already had the hard inq, I figured, why not, right? Well I got an instant message that I was approved!! Credit line $16,000!!!!!!! I almost fell outta my chair! 
I sure you can tell that I am super excited about this credit line! I don't plan on using it but just the ability to boost my score a little (I hope) and the higher credit line. Now time to wait and garden! In about 2 more years all baddies should be off. There is a light at the end of my tunnel for sure now.
Many thanks to those who post useful information often. I don't think I would have ever considered Navy if I hadn't found this site.
Thanks Whereis750! I have a 3 chargeoffs from previous credit cards. All paid not but still showing as a chargeoff. 
They are all 5 or more years old. I also have one 30 day late that should fall off in Aug of this year and a 30 -60 day late that should fall off early next year. I have not missed a payment since my mishaps! (proud)
My income is right at $90,000 a yr. They did not perform income verification either. That surprised me because I had to do that with RBFCU when I appd for their credit card. I opened both a checking and a savings with only the minimum opening amount of 5 bucks plus 10 more. I was going to change my direct deposit to Randolph-Brooks FCU to go in for a CLI and to make me look more marketable to them in a few months but now I think I just may change one of my direct deposits to Navy instead! They have surely earned that much I guess.
@LishaJoy wrote:WOW! I have been reading this site for a while and taking baby steps to boost my credit score. I now have to just wait for a couple of more baddies to fall off and have been able to get some credit cards with some decent credit lines. Barclay 3300. RBFCU 2000. Capital One 1500. Yesterday I signed up to bank with Navy FCU. I am prior military, receive VA disability and also currently work in the federal service. I was disappointed to find out today that I got a hard inq from Navy for opening the bank account.
Today I noticed that my new banking account said that I was "pre-selected" for their cash rewards card. Since I already had the hard inq, I figured, why not, right? Well I got an instant message that I was approved!! Credit line $16,000!!!!!!! I almost fell outta my chair!
Many thanks to those who post useful information often. I don't think I would have ever considered Navy if I hadn't found this site.
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Congrats!!!
Congrats!!!
That's great! Thanks for the info! That's the same ballpark that I should be in soon. Going to have to give it a try after they open an account for me. Yay! 