Wowww! My CU upped my everything!

[kroberts67]

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@Anonymous wrote:
Unreal! Awesome. It must feel great to feel luv based on your credit. You walked the extra mile and found reward. Congrats!

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Thanks! Never thought Id be here. I'll never forget the day a prospective landlord (i warned him and pre-offered a higher deposit) ran my credit and actually laughed at me.  Low point? 

[CreditMagic7]

Those who laugh last laugh best!

WTG!

[hot4u]

Congrats..

You can't beat a Credit Union

[stengiz]

it is wonderful. thanks for sharing

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@kroberts67 wrote:

I called my CU (SchoolsFirst FCU) to see about a CLI on my LOC and my Visa.  My score has risen and it's been over 6 mos so it's time.  Holy moly!  Everything was an auto approval and they went on and on about all of the extra products available to me now.  Over $10k in CLI's in one call!  I'll take that HP.  

CLI:

Visa 2500 --> 9200

Overdraft/LOC 1500 --> 5000

Extra products approved:

@$15k personal loan @741051.25%

@$50k auto @3.75%

Can refi my current auto loan from 4.99% down to 3.75%

I've never been treated in my life the way I was just treated...  as if I was a queen.  My FICo was only 689, but they made me feel as if it was 800.  

I believe that DCU can refi my car at 1.99% with a FICO on EQ of 675 (waiting for a myFico alert and rate jump today, hoping to get it from 666 --> above 675).  I just refi'ed from 10.25% down to 4.99%  I had a 42 point drop in score last Sept from that one new tradeline (refi'ed in June-- crazy??) so I'm a little bit sketched out to refi again, but I'd do it if I could get the 1.99, although SchoolsFirst FCU would need 750 on EX for that rate.  Hmmm, unless I can get my score up that much I might refi with DCU.

It's a good day!! 

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[k-s]

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@kroberts67 wrote:

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@CreditMagic7 wrote:
Luv Credit Unions

They know how to treat their customers and inspire us to pass along the satisfaction to bring them more business.

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Ain't that the truth!  Such a huge difference from banks I've had (with the exception of USAA).  Although not all CU's unfortunately.  My DBF has NuVision CU and the service isnt there. I wish I could get him into mine.  NuVision needs a new vision!

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You may be able to get him into yours! Does DBF live with you? All School's First wanted from my DBF to add me as a member through him was an ID with the same address. They didn't care that we weren't legally married and considered me eligible.

[kroberts67]

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@k-s wrote:

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@kroberts67 wrote:

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@CreditMagic7 wrote:
Luv Credit Unions

They know how to treat their customers and inspire us to pass along the satisfaction to bring them more business.

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Ain't that the truth!  Such a huge difference from banks I've had (with the exception of USAA).  Although not all CU's unfortunately.  My DBF has NuVision CU and the service isnt there. I wish I could get him into mine.  NuVision needs a new vision!

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You may be able to get him into yours! Does DBF live with you? All School's First wanted from my DBF to add me as a member through him was an ID with the same address. They didn't care that we weren't legally married and considered me eligible.

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Oh that's good to hear!!  We dont live together now but will be somewhere b/t summer to end of year. 

[-Wade-]

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@kroberts67 wrote:

I called my CU (SchoolsFirst FCU) to see about a CLI on my LOC and my Visa.  My score has risen and it's been over 6 mos so it's time.  Holy moly!  Everything was an auto approval and they went on and on about all of the extra products available to me now.  Over $10k in CLI's in one call!  I'll take that HP.  

CLI:

Visa 2500 --> 9200

Overdraft/LOC 1500 --> 5000

Extra products approved:

@$15k personal loan @741051.25%

@$50k auto @3.75%

Can refi my current auto loan from 4.99% down to 3.75%

I've never been treated in my life the way I was just treated...  as if I was a queen.  My FICo was only 689, but they made me feel as if it was 800.  

I believe that DCU can refi my car at 1.99% with a FICO on EQ of 675 (waiting for a myFico alert and rate jump today, hoping to get it from 666 --> above 675).  I just refi'ed from 10.25% down to 4.99%  I had a 42 point drop in score last Sept from that one new tradeline (refi'ed in June-- crazy??) so I'm a little bit sketched out to refi again, but I'd do it if I could get the 1.99, although SchoolsFirst FCU would need 750 on EX for that rate.  Hmmm, unless I can get my score up that much I might refi with DCU.

It's a good day!! 

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A big Congrats very well done