More Navy Federal love. I just posted last month that Navy Fed gave me a $1500 cash rewards card with a 618 TU. I received an invite to Refi my vehincle and called Friday to take advantage of "member appreciation week." I ended up getting 4.5 points knocked off to refi (plus a $400 member appreciation gift) and struck up a conversation about navcheck. I ended up asking for $2000 after a quick convo and they got me approved rather quickly.. It seemed too easy and afterwards thought that maybe I should have asked for more, but I'm already getting more from Navy than I think I deserve and didn't want to push my luck. I know that in a year or two I'll have really nice limits with them. Add in a $500 Cap One card that I qualified for and I've gone from only $700 of secured credit to $4700 in total revolving credit ($4000 unsecured) in the past 30 days.
I think I'll be stuck in the 615-630 range until late next year when some charge-off / collections finally fall off (all paid), but it's nice to be headed in the right direction. And very excited that Navy Federal is taking a chance on me! I'll starve to death before ever being late on a payment with them.
Home Depot - $14300 | Care Credit - $11000 | CCUFL - $10000 | Penfed - $7500 | BECU - $7500 | DCU - $7500 | Overstock - $7200 | Discover it Miles - $5500 | Amex Hilton Aspire - $5100 | Discover it Cash Back - $4200 | Cap One QS1 - $2000 | WF Cashwise - $2000 | Apple - $2000 | Citi AA - $1500 | Amazon - $1200 | Sync Car Care - $1200 | Amex Delta Gold - $1000 | Amex BCP - $1000 | Barclay's Apple - $1000 | Cap One QS1 - $850 | Lowes - $500 | Bealls - $350 | Kohls - $300 | Target - $300
Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012