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
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.
TU- 736 9 inqs, 0 negatives
EQ- 731 8 inqs, 0 negatives
congrats!! NFCU is sure one of a kind!!
When you say you wanted a loan, you mean a personal loan right?
Wow, that’s awesome. Congrats!
I am maxed out with Navy at $15,200. It sucks being poor 😂
Can't wait to get in with NFCU. NFCU, USAA, and PenFed are on my list to go for in the coming 18 months