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Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

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Valued Member

Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

DH and I started fixing our credit 2 yrs ago so we could buy a house. We dumped our tax '15 tax return into paying debts and getting USAA secured cards. Last Dec '16 his score hit 705 and we got the house. His score hit 750 and The CD's securing our cards are maturing soon so we decided it was time for new cards. We did his today and USAA gave him a 12.5k CL, NFCU and Lowes were more conservative @ 2.8k and 2k, but we've been with USAA for many years. From thin file to a total CL of 18.3k in 2 yrs!

He may work to make the money, but I work the money to make our lives better.

My Cards: Home Depot, Blue Cash Preferred, Sapphire Preferred, USAA Cash Back Rewards AMEX --- Total CL: 19.7k --- FICO 8 EXP Score 03/18: 744

DH Cards: USAA Rewards Sig Visa, NFCU Platinum, Lowe's, Sam's Club MC ---Total CL: 19.3k --- FICO 8 EXP Score 03/18: 746

Message 1 of 10
9 REPLIES 9
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Community Leader
Super Contributor

Re: Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

Congratulations on the hard work for both you and DH from the new house to the your approvals! You're both sitting pretty being in with NFCU and USAA both IMO.

Message 2 of 10
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Valued Member

Re: Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

Next step is to do mine, my score's a bit lower b/c I have a couple of inquiries and a new student loan. I might decide to hold out just a bit longer, but I'm looking at a PenFed Pathfinder. I like to travel and I can rack up a few points locally taking my son to the Denver Museum of Nature and Science or Botanical Gardens once in a while.

He may work to make the money, but I work the money to make our lives better.

My Cards: Home Depot, Blue Cash Preferred, Sapphire Preferred, USAA Cash Back Rewards AMEX --- Total CL: 19.7k --- FICO 8 EXP Score 03/18: 744

DH Cards: USAA Rewards Sig Visa, NFCU Platinum, Lowe's, Sam's Club MC ---Total CL: 19.3k --- FICO 8 EXP Score 03/18: 746

Message 3 of 10
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Valued Contributor

Re: Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

Congrats to both you and your husband on a very successful rebuild! Happy for you guys! Smiley Happy

Message 4 of 10
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Valued Contributor

Re: Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

Congrats! I would dump the secured cards ASAP they won't graduate and they aren't doing you any favors now!

Message 5 of 10
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Frequent Contributor

Re: Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

USAA is probably my favorite creditor. Love your signature quote!!


Instead of waiting for the storm to pass, I've learned to dance in the rain.
Message 6 of 10
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Established Contributor

Re: Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

Congrats and nice work!

Jan 2017- 520s across the board
Current - EQ: 667 EXP: 665 TU: 672
Summer Goal 2019: 690+ across the board
NCFU CR $10k GR $15k MR $20k CLOC $10k/Z Gallerie $5.3k/CareCredit $8k/Discover IT $2.2k/Merrick Bank $1.9k/Quicksilver $750/Ulta MC $1.5k
Gardening until the summer!
Message 7 of 10
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Community Leader
Mega Contributor

Re: Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

Superb jobSmiley Happy Congrats on incredible rebuild storySmiley Happy
Message 8 of 10
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Valued Member

Re: Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

We dumped DH's secured today. I'm going to hold off on mine for another month. By that time my utilization will be practically 0 and then it's off to PenFed to try for the card I want
He may work to make the money, but I work the money to make our lives better.

My Cards: Home Depot, Blue Cash Preferred, Sapphire Preferred, USAA Cash Back Rewards AMEX --- Total CL: 19.7k --- FICO 8 EXP Score 03/18: 744

DH Cards: USAA Rewards Sig Visa, NFCU Platinum, Lowe's, Sam's Club MC ---Total CL: 19.3k --- FICO 8 EXP Score 03/18: 746

Message 9 of 10
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Valued Member

Re: Success! USAA, NFCU, & Lowe's, 2 yrs after starting credit repair!

His credit hasn't been too hard to fix. I had quite a few hits, score was down in the 520's but I expect to get it up to the 740 -750 range by April
He may work to make the money, but I work the money to make our lives better.

My Cards: Home Depot, Blue Cash Preferred, Sapphire Preferred, USAA Cash Back Rewards AMEX --- Total CL: 19.7k --- FICO 8 EXP Score 03/18: 744

DH Cards: USAA Rewards Sig Visa, NFCU Platinum, Lowe's, Sam's Club MC ---Total CL: 19.3k --- FICO 8 EXP Score 03/18: 746

Message 10 of 10
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