cancel
Showing results for 
Search instead for 
Did you mean: 

Nfcu is MIND BLOWING!

tag
Anonymous
Not applicable

Nfcu is MIND BLOWING!

Hello everybody!

 

So to start I want to thank everyone here for all the helpful information. To think this same time last year I had mid 500 scores, $0 in credit cards, some student loans with lates (forum helped get lates removed) and a car loan with 19% intrest but I found this forum and in the last 6 months my entire life has changed. I started with Nfcu last year in June but I had no idea the power they had until I came across this forum. In March, I applied for the More Rewards Amex and was instantly approved for 5k. Then 91 days later I was approved for the Cash Rewards at 8k and also a CLI from 5k to 13k on the Amex. Also I got a refinanced auto loan for 22k with 8.69% from the same EQ HP. So fast fowarding to yesterday, I want to try the same thing again so I applied for the Plat card but was denied. I wasn't upset because I figured it was to soon anyway and only wanted it so I could now have the minimum 3 credit cards (other than retail) to maximize on scoring points. I debated on rather or not to ask for an CLI on the Cash but I did and I am glad I did. I got the review message, logged in about 20 minutes later after I got the alert that my EQ was pulled and my limit was 16k. I am still in shock but this was only the beginning. I am getting into Real Estate and I wanted to get a loan so I figure why not go with Navy, I originally only wanted a loan for 15k but in talking with the rep he told me to aim high and they will counter, I figured why not so I applied for a 30k loan hoping to get countered between 15-17k, then it went into review. I didnt get a HP notification but I did get a email about 20 minutes stating my loan was approved my jaw dropped, I couldnt believe it. I signed the promissary note and in less than 5 minutes it was in my checking account. At this point I feel invincible lol so I figured since I already got the EQ pull I would apply for an increase on my Amex and CLOC, both were denied but both with no extra HP so I gained 38k from 1 EQ hp and 1 TU hp not bad lol. Overall I am ecstatic with my results and my give and take relationship with Navy lol.

 

So here's my Timeline:

Amex (3/19)- 5k 

Amex CLI (6/19)- to 13k

Cash(6/19)- 8k

CLOC (6/19)- 3k

Auto Loan (6/19)-22k

Cash CLI (9/19)- to 16k

Personal Loan (9/19)- 30k

Total in 6 months 82K, Credit- 32k Loans- 52K...just wow lol.

 

DP:

DTI- 16%

UTL-12%

AAoA 1

TU- 736 9 inqs, 0 negatives 

EQ- 731 8 inqs, 0 negatives

 

 

Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: Nfcu is MIND BLOWING!

Congrats!! Gotta luv Navy!!
Message 2 of 11
Anonymous
Not applicable

Re: Nfcu is MIND BLOWING!

Yes, NFCU is Awesome! Congrats on your credit journey so far! Smiley Very Happy

Message 3 of 11
snickerpedia
Frequent Contributor

Re: Nfcu is MIND BLOWING!

congrats!! NFCU is sure one of a kind!!

 

When you say you wanted a loan, you mean a personal loan right?


TU - 785
EX - 771
EQ - 779


Citi premier 13
CSP 29
X1 33.5k
/CIU 6k
Message 4 of 11
Anonymous
Not applicable

Re: Nfcu is MIND BLOWING!

Wow, that’s awesome. Congrats!

 

I am maxed out with Navy at $15,200. It sucks being poor 😂 

Message 5 of 11
Anonymous
Not applicable

Re: Nfcu is MIND BLOWING!

 

 

 

Message 6 of 11
Anonymous
Not applicable

Re: Nfcu is MIND BLOWING!


@Anonymous wrote:

 

 

 


Yep. It’s been a year now and I’m happy with them. Smiley Happy

Message 7 of 11
M_Smart007
Legendary Contributor

Re: Nfcu is MIND BLOWING!

 

"MIND BLOWING" Yep, That's Navy!

 

Message 8 of 11
AverageJoesCredit
Legendary Contributor

Re: Nfcu is MIND BLOWING!

Awesome experience. Navy has hp'd my heart so many times, i dont know where love and heartbreak begin and endSmiley Wink
Message 9 of 11
rgate88
Regular Contributor

Re: Nfcu is MIND BLOWING!

Can't wait to get in with NFCU. NFCU, USAA, and PenFed are on my list to go for in the coming 18 months

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $25,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $36,000; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000


Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $9,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $14,000; IHG Rewards Premier Business - $5,000; Delta Platinum Business - $16,400; Edward Jones Business (Elan) - $2,000


Total CLI - $395,900
Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.