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Over the Moon!! NFCU Approval!!

TonyMac
Regular Contributor

Over the Moon!! NFCU Approval!!

So I opened my NFCU account in January..

 

I got an Nrewards $500 limit card in Feb and a Shared Secured Loan to show NFCU some love and work on my credit rebuild..

 

Well I passed my 90 day mark, improved my scores slightly and paid off my old collections, chargeoffs..

 

I was waiting till 6 months but figured hey I'll give it a shot.. Applied for Cash Rewards..

 

APPROVED FOR $10,000!!! WHAT!!!! Am I dreaming?!?! This trumps all my other cards x10

 

Literally over the moon right now. I've been busting my a$$ to fix my credit in a short time and it paid off.

Just want to say thanks to everyone on this board. You guys are friggin awesome! All the goodwill letters, PFD letters, verification letters.. Man, it was tough and took patience... Love it!!!!

 

Going to apply for CLOC just in case before I hit the garden. Why not right?

 

Pulled TU - Fico9 588, Fico8 609

AA accounts 4 years, 12 months since late, 4 derogs

July 17' - Scores 480s across the board
Fico Scores
Jan 18' - Exp 542 Eq 532 Trans 540
18' - Exp 642 Eq 649 Trans 660

Bank Cards - NFCU Cash Rewards $10k, NFCU Platinum $2000, NFCU MR $1000, Amex Delta Gold $1000, Discover IT $1000, Cap1 QS1 $300, Credit One $550, Primor Secured $250
Store Cards - Ikea Project $5500, Lowes $5000, Amazon Prime $5000, Fingerhut $1400, Jcrew $1020 - Other Comenity Cards $1400

Currently under contract for my first mortgage!
Message 1 of 12
11 REPLIES 11
jaeski33
Frequent Contributor

Re: Over the Moon!! NFCU Approval!!

Wow!! Congrats--that is a serious SL with your current scores. Well done.....



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 2 of 12
donny10
Senior Contributor

Re: Over the Moon!! NFCU Approval!!

Congratulations!

 

I'm glad the wind swept you off your feet. And you finally got a chance to dance along the light of day and head back to the milky way. At least when you sailed across the sun and when you made it to the milky way, the lights were not all faded and that applying wasn't overrated.

 

I'm glad you didn't fall from a shooting star, one with a permanent scar. Now you can trace your way through the constellation and get back in the atmosphere and garden. 

Message 3 of 12
alohawinn
Established Contributor

Re: Over the Moon!! NFCU Approval!!

Yesssss! Congrats. Use the card wisely. I saw you on rebuilding process, dont "tripped" again! Smiley Wink

 





Amex Platinum NSPL || Amex Everyday $2k || Amex BonVoy $10k || Amex HH Surpass $16k|| Aviator AA $7.6K || Citi AA $7.2K || Citi Costco $5.5K || NFCU CashReward $26K || Blispay $5K || Discover $12.8K || Paypal Credit $7.6K || VS card $4.6|| Walmart store $8.5K
Message 4 of 12
TonyMac
Regular Contributor

Re: Over the Moon!! NFCU Approval!!

Thankkssss!

 

Definitely will use it wisely. All my current cards have low UTIL and I have a decent enough savings built up where I shouldn't need to use it in excess. Aiming for that house next year!

July 17' - Scores 480s across the board
Fico Scores
Jan 18' - Exp 542 Eq 532 Trans 540
18' - Exp 642 Eq 649 Trans 660

Bank Cards - NFCU Cash Rewards $10k, NFCU Platinum $2000, NFCU MR $1000, Amex Delta Gold $1000, Discover IT $1000, Cap1 QS1 $300, Credit One $550, Primor Secured $250
Store Cards - Ikea Project $5500, Lowes $5000, Amazon Prime $5000, Fingerhut $1400, Jcrew $1020 - Other Comenity Cards $1400

Currently under contract for my first mortgage!
Message 5 of 12
Meanmchine
Super Contributor

Re: Over the Moon!! NFCU Approval!!

Ka-ching

 

Congrats x10000


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 6 of 12
VoltronM
Senior Contributor

Re: Over the Moon!! NFCU Approval!!

Congrats on approval and monster CL

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 7 of 12
eclecticdementia1
Regular Contributor

Re: Over the Moon!! NFCU Approval!!


@TonyMac wrote:

So I opened my NFCU account in January..

 

I got an Nrewards $500 limit card in Feb and a Shared Secured Loan to show NFCU some love and work on my credit rebuild..

 

Well I passed my 90 day mark, improved my scores slightly and paid off my old collections, chargeoffs..

 

I was waiting till 6 months but figured hey I'll give it a shot.. Applied for Cash Rewards..

 

APPROVED FOR $10,000!!! WHAT!!!! Am I dreaming?!?! This trumps all my other cards x10

 

Literally over the moon right now. I've been busting my a$$ to fix my credit in a short time and it paid off.

Just want to say thanks to everyone on this board. You guys are friggin awesome! All the goodwill letters, PFD letters, verification letters.. Man, it was tough and took patience... Love it!!!!

 

Going to apply for CLOC just in case before I hit the garden. Why not right?

 

Pulled TU - Fico9 588, Fico8 609

AA accounts 4 years, 12 months since late, 4 derogs


Congrats!!! Its one of the best feelings knowing during rebuild when you've been putting in the work, but not sure when the payoff will be, only to take the chance and be gobsmacked. Congrats again! Navy is awesomeness.


Gardening til March 2020!
Message 8 of 12
AverageJoesCredit
Mega Contributor

Re: Over the Moon!! NFCU Approval!!

Navy is insaneSmiley Wink Way to goSmiley Happy. If I had your scores and Navy approved me for 10k, I'd marry her right then and thereSmiley Wink. BUT BABY IM FLESH AND BLOOD, uhmm Sorry babe, but Navy showed me 1st, 2nd, and 3rd base even before 1st dateSmiley Happy You can be my MistressSmiley Wink, just dont tell DiscoverSmiley Happy
Message 9 of 12
CreditInspired
Super Contributor

Re: Over the Moon!! NFCU Approval!!

Congratulations, TonyMac. Yes, NFCU rocks!!!!

Treat them good and they'll treat you like a rockstar.


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 10 of 12
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