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So a little back story here:
I've gone from maybe 550's in may 680-700 currently. I didn't even have enough history to establish a Fico score when I started my rebuild and month or 2 later, i was in the mid-upper 500's.
I app'd for secured cards through discover, cap one, and nfcu and been using AZEO since with discover being the balance reporting card. I also did an SSL with nfcu for 3001/60mo term and paid down to around 8.9% or so.
Today after seeing EQ hit 700 i decided I'd app because it will really take an edge off work for me.
dp's:
70k income
680-700 fico 8's
hard pull TU
1 paid collection
1 30/60/90 late from 2014
Now, with that in my arsenal I can sit in the garden and start pruning ![]()
Well done! Congrats on the approval and SL!























YOU...

From 1 Rebuilder to another Rebuilder, CONGRATS @PicoFico on your NFCU More Rewards approval and Thanks for the DPs!!!
Thanks everyone! What a great feeling!
I really owe this forum, and all the contributors here, for this success story. I'm really not sure I would have come up with a game plan that worked so well, so far, on my own. This is an amazing collective resource that reveals the cryptic doings of the credit beast ![]()
Take a moment and pat yourselves on the back, you each deserve it, and thanks again.
-PicoFico
Congrats!!
Nicely done, PF. Congrats! on a sweet approval.