I'm so exited

[Anonymous]

I have been working on my credit for the past two years. Paying off charge-offs and getting baddies removed. My capital one account is the only one that still reporting negatively. I signed up with NavyFCU and recently got a credit card offer. I waited like 3 weeks to apply. I finally did today and was approved for $5000 limit at 13% rate. I think it was $5000 I was too excited.

[first48]

Congratulations!!  What were your scores and do you know which CR they pulled? 

[Anonymous]

Congrats! Your hard work is paying off!

[TangMeister]

Big congrats on the NFCU score. They truly are one of the best CUs out there to deal with. Heck, they are the best.

[Anonymous]

No idea what bureau but its around 650. I had previous credit lines totalling 1200 or so with 10% utilization and a perfect payment history for 2 years.

[MsKiwi]

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TerpMan2008 wrote:
I have been working on my credit for the past two years. Paying off charge-offs and getting baddies removed. My capital one account is the only one that still reporting negatively. I signed up with NavyFCU and recently got a credit card offer. I waited like 3 weeks to apply. I finally did today and was approved for $5000 limit at 13% rate. I think it was $5000 I was too excited.

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WTG! I hope to join you someday! I have a bit of work to do myself. Just found out my brother is a member (retired navy)

[TangMeister]

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@Anonymous wrote:
No idea what bureau but its around 650. I had previous credit lines totalling 1200 or so with 10% utilization and a perfect payment history for 2 years.

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For Credit Card Apps, NFCU pulls EQ like most credit unions. For LOCs, they pull one of the other two....usually TU, I believe.

[TangMeister]

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@MsKiwi wrote:

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@Anonymous wrote:
I have been working on my credit for the past two years. Paying off charge-offs and getting baddies removed. My capital one account is the only one that still reporting negatively. I signed up with NavyFCU and recently got a credit card offer. I waited like 3 weeks to apply. I finally did today and was approved for $5000 limit at 13% rate. I think it was $5000 I was too excited.

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WTG! I hope to join you someday! I have a bit of work to do myself. Just found out my brother is a member (retired navy)

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I would go ahead and join anyway, but just open up a checking account and share savings now. You'll already be in with them, for when you decide to app for credit. They tend to like some history, though it's not necessary. It'll only help you, though.

[Anonymous]

Congratulations....

[Anonymous]

it was a 5000 credit line