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Sailing with NAVY

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Established Contributor

Sailing with NAVY

Having Pen Fed's Promise cc reporting to each of my CRA files resulted in the following increase in Fico 8 Scores:


EQ +84, TU +66, EX +74

 


So? What did I do? Yes, took two deep breathes and applied for Navy's cashReward Visa.


* Have I ever mentioned I HATE having to WAIT? or even WAITING, notice the avatar yet?


So, during a lull of actual Gardening, I was notified of approval for $2,000 at 9.9%

 

 

* this is my second un-secured CC only 67 days post Ch 13 Discharge.



@ baller4life, et al THANKS ! ! ! !

05/03/16 Fico 8 Scores: EQ 546, TU 501, EX 548
09/01/16 Fico 8 Scores: EQ 662, TU 628, EX 657
10/04/16 Fico 8 Scores: EQ 692, TU 665, EX 686
01/15/17 Fico 8 Scores: EQ 706, TU 670, EX 687 * all Yellow / Good
Message 1 of 32
31 REPLIES 31
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Frequent Contributor

Re: Sailing with NAVY

How wonderful! Congrats on all your post-BK success Smiley Happy 


FICO 8 August 2016 TU: 720/ EQ: 697/ EX: 705 Gardening Until 2017
Message 2 of 32
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Established Contributor

Re: Sailing with NAVY

Amongst all of the Surprises I have experienced in just 67 days, I was originally resigned to only receiving "secured" cards.

 

The only modification to my original Strategy & Plan was to apply to Pen Fed, and first.  My expectation was to be offered a secure card.  Didn't happen.

 

* just very grateful for this site, and my willingness to actually read it, a lot of it.

 

Oh, and the advocation of Pen Fed by baller4life.  It got me started, and NAVY will only propel me forward!

 

Thanks!

 


jrenae4 wrote:

 

How wonderful! Congrats on all your post-BK success Smiley Happy 


 

05/03/16 Fico 8 Scores: EQ 546, TU 501, EX 548
09/01/16 Fico 8 Scores: EQ 662, TU 628, EX 657
10/04/16 Fico 8 Scores: EQ 692, TU 665, EX 686
01/15/17 Fico 8 Scores: EQ 706, TU 670, EX 687 * all Yellow / Good
Message 3 of 32
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Frequent Contributor

Re: Sailing with NAVY

Congrats on the approval and nice APR.

EX08: 750(12)inqs, TU08: 739 (11)inqs, EQ08: 731 (7)inqs. 4% util., $169,450 spread across 10 cards. THE DIRT: (1) 60 days late-9/13, (2) 30 days late-7/13 as of 6/8/18
Message 4 of 32
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Frequent Contributor

Re: Sailing with NAVY

YAY!   Big happy dance for you!    New NFCU here too, and am LOVING them so far!

Message 5 of 32
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Senior Contributor

Re: Sailing with NAVY

That's nice, congrats on the approval and great APR !

Message 6 of 32
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Super Contributor

Re: Sailing with NAVY

Congrats



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
Message 7 of 32
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Super Contributor

Re: Sailing with NAVY

Awesome! Congratulations!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 8 of 32
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Moderator

Re: Sailing with NAVY

Congrats on the approval and very good apr!

Message 9 of 32
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Valued Contributor

Re: Sailing with NAVY

Congrats
Gardening since 8/13/19
Over $500K in credit
TU:751 EQ:762 EX:773
Message 10 of 32
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