Not only did Fortera CU show me some serious love in the last couple of days with my new car loan (36k @ 2.99%), They just gave a Visa Platinum with 10k CL (whoop whoop) at 4.9% APR and 0% BT for up to 1 yr...I've been a member there for only 6 mos and kept less then $50 in member account
I really have to give you all here a HUGE SHOUT OUTS AND AIR HUGS because after stalking a month & joining this month I have been able to pull my head out of the mis-information clouds and realize the high UTI was killing my scores and started "operation pay-down"...
April 1 - May 27
Payed down across the board UTI from 90+% to 43% .. I have no clue what my scores were
17 May Refied at 3.87%
20 May Nordstrom Love 1k CLI
25 May New Car at 2.99%
25 May AMEX love 2k CLI
27 May FCU Love 10k CL
Bonus *** No mortgage payment or car payment for June!! (more whoop whoop) and like a good FICOer I am (now) I will take that money and apply to pay down more CCs
Congrats on your approvals, and for working on improving your scores!!
Thank You!!! I was so depressed in late March when I ran my CRs and found myFICO and realized that I had tanked my scores with my high UTIs..but I put on my big girl combat boots and made a plan "Operation Pay Down" and implemented it right away..
1. I contacted each CC and asked them what $$ amount I needed to pay to bring it under 49% or 29% (I'm not good at math..lol)
2. I sat down with son and explained if we want to reach our goals (trade-in truck & European Vacation in 3 yrs) we had to do the following:
a: take 90% out of savings (25k) and pay CCs (was earning less then 1.9% and was paying up to 25% on CCs)
b. No more extras (gave me 1k over 8 weeks)...ie..eating out, movies ect and apply every penny to CCs
c. Sell some stuff that was gathering dust..another 2k to pay towards CCs
d. After our budget, I took 90% of what was left over and paid to CCs another 2k!!
3. I also doubled (the ones that weren't already) the min payment on NFCUs bill pay on all CCs to help the pay down
So, in the last 2 months I have paid down 30k of debt
and I forgot to add
My Auto Insurance also went down ($75 month) because of better FICO (another whoop whoop)
It was hard and at times I really felt jealous because it seemed like everyone here was getting amazing CLI & CLs and even though I had never been late or had a CO or BK ...I wasn't even getting invited to play with the "cool kids", don't get me wrong...I have seriously great CCs and nice limits but I just wanted to feel like I wasn't a total mess-up and I take full responsiblity for all of my decesions and I would never judge anyone for what has happened to them...
Way to go NTOTL Great job and youve done amazing for 1 months time. This place is awesome and i will always be grateful to my Fico fam who always have a golden nugget of info to nibble on or the dupport one gets is out of this world
Keep going strong, it gets better . Congrats on new car, and please say hi to Clark for me when you get on your European Vacation
ROFL ... Maybe they can give us advise on how to be a pig..lol
Theres Big Ben kids!
Seriously about to wet my pants laughing!!!!