Thank you so much to all of you that share information in this forum!
Background: I have a lot of charge offs and collections from 2013/2014 almost $50k worth. I was given so many pre-approvals for cards and personal loans and didn't know any better and got in to debt real quick.
I joined NFCU almost 4 years ago. In Dec 2018 I decided to start rebuilding my credit so i deposited $500 in to my savings and got a Nrewards because I doubt I would have got approved for any unsecured card (scores were in the low 500's). I use the card often and pay it down multiple times a month. Received a pre approval for a Capital One Platinum Secured and applied in May 2019 and was approved ($49 for $200 limit)
Last month I discovered myFICO forums and learned so much about PIF, statement cut dates, monitoring apps, etc. I carried a high balance on both cards because of a vacation in June and it killed my utilization. So this month I paid them both in full and watched and watched for it to be reflected (statement cut 7/22 & 7/25). Since I learned on here that NFCU pulls TU I waited til it reported. Cap1 reported on 7/29 Finally NFCU reported today! My TU went from 562 to 608 (FICO9)
I pulled the trigger and held my breath as it kept spinning...bam! APPROVED CR $15,000 
Largest limit I've ever had and I couldn't have done it without you guys! Thank you!!!
Felt daring and also apped for Paypal Credit because I use them a lot and got approved for $500 (TU) which is enough for me 
To the garden I go................
@Anonymous wrote:Thank you so much to all of you that share information in this forum!
Background: I have a lot of charge offs and collections from 2013/2014 almost $50k worth. I was given so many pre-approvals for cards and personal loans and didn't know any better and got in to debt real quick.
I joined NFCU almost 4 years ago. In Dec 2018 I decided to start rebuilding my credit so i deposited $500 in to my savings and got a Nrewards because I doubt I would have got approved for any unsecured card (scores were in the low 500's). I use the card often and pay it down multiple times a month. Received a pre approval for a Capital One Platinum Secured and applied in May 2019 and was approved ($49 for $200 limit)
Last month I discovered myFICO forums and learned so much about PIF, statement cut dates, monitoring apps, etc. I carried a high balance on both cards because of a vacation in June and it killed my utilization. So this month I paid them both in full and watched and watched for it to be reflected (statement cut 7/22 & 7/25). Since I learned on here that NFCU pulls TU I waited til it reported. Cap1 reported on 7/29 Finally NFCU reported today! My TU went from 562 to 608 (FICO9)
I pulled the trigger and held my breath as it kept spinning...bam! APPROVED CR $15,000
Felt daring and also apped for Paypal Credit because I use them a lot and got approved for $500 (TU) which is enough for me
Congratulations and Welcome! Navy is the bomb and you are definitely on the right track!
Amazing success All the best
All the best
Welcome To myFICO Forums and
W O W !!! A W E S O M E !!!
C O N G R A T S !!! 
I haven't dealt with them (yet) but NFCU continue to impress me!
As a veteran, it would be a sweet deal.
I discovered they even have local branches in my area.
They have some great cards and seem very customer-friendly.
Welcome to My Fico Forums and keep up the great work!
Awesome, congrats on the two new cards and massive SL with Navy!
Grats on the new card
