@jrodzmc09 wrote:Well I will probably if anything pull the trigger next month when the scores are fresh and my TU is due for a new score/report from myFico on January. We'll see how that goes and maybe get a better CL than what I would get right now with this old score. BTW. Thanks for all the input I've gotten as of now. Its great hearing different opinions and experiences on this matter.
Edit: BTW whats the best way to better your chances on approval with a NFCU CC? From past experiences.. Online, Phone, etc etc..
I personally don't like to talk to people over the phone. It makes me nervous LOL. I always apply online, but you may be different.
Starting Score: 686 TU / 683 EQ 01/17/2013
@jrodzmc09 wrote:I'm just noticing your scores are similar to mine. Did you have any baddies and what where they when you app'ed for a "real" NFCU CC. TiA.
No collections
Verizon Wireless Paid CO - 4/5 months old
NFCU vehicle loan with 6 or 7 30 day lates, and 3 60 day lates
NFCU consolidation loan that was paid off but the final payment got counted as 30 days late
EQ Fico probably was around 642-648 then.
Had obtained an Amazon Store Card, Amex Zync, and Barclays card a few months prior. Like between August and October of 2011.
your selling yourself short with worry
NFCU FAN CLUB FAN#1
@dodgeball wrote:your selling yourself short with worry
No! Not really. I just want to make sure all my lines are straight. On my 675 TU is 2 CO CC's (Express & HSBC) GW with Express and PRA. They are getting removed, but havent hit TU yet, only EX. 2 foreclosed Chase mortgage loans. Coming off Dec. 2013. 4 Revolving Accounts. 3 paid off installment loans (2 are toyota financial credit car loans, closed and paid) 2 inquiries (last was 10/12) and 2 collections PRA & AD ASTRA RECOVERY (PRA should be coming off in the next month or so and I GW'ed AD Astra Recovery)
So now that my dirty laundry is out can someone tell me what are my more accurate odds of success. 
@jrodzmc09 wrote:
@dodgeball wrote:your selling yourself short with worry
No! Not really. I just want to make sure all my lines are straight. On my 675 TU is 2 CO CC's (Express & HSBC) GW with Express and PRA. They are getting removed, but havent hit TU yet, only EX. 2 foreclosed Chase mortgage loans. Coming off Dec. 2013. 4 Revolving Accounts. 3 paid off installment loans (2 are toyota financial credit car loans, closed and paid) 2 inquiries (last was 10/12) and 2 collections PRA & AD ASTRA RECOVERY (PRA should be coming off in the next month or so and I GW'ed AD Astra Recovery)
So now that my dirty laundry is out can someone tell me what are my more accurate odds of success.
99% Chance you get approved and approved big. If you truly have a EQ 650, you will get approved. Expect 5K ish. Especially since you have 2 years of positive history with them. Stop worrying and go for it. Look at my Sig...then see what NFCU card I'm rocking!
Starting Score: 501I think you will be approved as well, your going to get the In review process than in a couple of days bamm you will get the 5k. Also check my signature on what NFCU cards I have as well. My story not unlike yours.
