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@toddc Get those collections taken off so your score can go up. If you need help, PM me.
@Anonymous wrote:This is great. I wish someone could tell me what I'm doing wrong. I've had mine for over two years and it still hasn't graduated. Lol.
@Anonymous: Use your Navy Fed secured nRewards card every month. Make sure you pay all your credit accounts on time every month, preferably in full. If you do carry a balance on any CC, try to keep it below 29.5%. Lower utilization is better. Don't open any Consumer Finance Accounts (CFAs). Navy Fed is monitoring your credit report (CR) monthly, not just your Navy Fed accounts.
I also recommend improving your FICO scores wherever you can. Aim for a 650 EQ FICO 9 score or higher. Try to clean up your CRs if any derogatory accounts are listed. Practice the AZEO method on your CCs if you can. That will probably boost your FICO 8 & 9 scores by ~10 to 20 points. Don't let every revolving account report $0, or you'll get hit with the "All Zero" (AZ) penalty, which is a loss of ~10 to 20 points. Do you have any open installment loans? If not, you can gain 15 to 35 points on your FICO 8 & 9 scores by using the SSL Technique at Navy Fed.
If you need an explanation of the AZEO method or SSL Technique, please let me know by posting a reply message with @USMC_Winger in the post so I receive a notification.
Good luck!
@USMC_Winger wrote:
@Anonymous wrote:This is great. I wish someone could tell me what I'm doing wrong. I've had mine for over two years and it still hasn't graduated. Lol.
@Anonymous: Use your Navy Fed secured nRewards card every month. Make sure you pay all your credit accounts on time every month, preferably in full. If you do carry a balance on any CC, try to keep it below 29.5%. Lower utilization is better. Don't open any Consumer Finance Accounts (CFAs). Navy Fed is monitoring your credit report (CR) monthly, not just your Navy Fed accounts.
I also recommend improving your FICO scores wherever you can. Aim for a 650 EQ FICO 9 score or higher. Try to clean up your CRs if any derogatory accounts are listed. Practice the AZEO method on your CCs if you can. That will probably boost your FICO 8 & 9 scores by ~10 to 20 points. Don't let every revolving account report $0, or you'll get hit with the "All Zero" (AZ) penalty, which is a loss of ~10 to 20 points. Do you have any open installment loans? If not, you can gain 15 to 35 points on your FICO 8 & 9 scores by using the SSL Technique at Navy Fed.
If you need an explanation of the AZEO method or SSL Technique, please let me know by posting a reply message with @USMC_Winger in the post so I receive a notification.
Good luck!
Thank you for the suggestions. I have 3 cards with Navy Federal. I'm never late and they're all under 15% in utilization. Right now Navy Federal has my Fico 9 at a 747. I have no derogotories and the rest of my payment history is stellar. I use Navy Federal as my primary bank and I feel like I have a pretty good relationship with them. I spoke with an agent about 5 months ago and she suggested that the issue was that I was paying that particular card in full every month. Since then I've been sure to leave about 5-10% utilization on the card, and still nothing. Lol. At this point I just think they hate me; which is hard to believe since the've given me over $30k in credit on my other two cards. I'm going to try to keep leaving a little balance on this card each statement and see what happens.
They do seem to have tightened up some. Also being a CU, they're sensitive to DTI. Possibly your combination of card and loan balances vis-a-vis income has them hesitant to lend more? Just throwing ideas out.
@Anonymous wrote:
@USMC_Winger wrote:
@Anonymous wrote:This is great. I wish someone could tell me what I'm doing wrong. I've had mine for over two years and it still hasn't graduated. Lol.
@Anonymous: Use your Navy Fed secured nRewards card every month. Make sure you pay all your credit accounts on time every month, preferably in full. If you do carry a balance on any CC, try to keep it below 29.5%. Lower utilization is better. Don't open any Consumer Finance Accounts (CFAs). Navy Fed is monitoring your credit report (CR) monthly, not just your Navy Fed accounts.
I also recommend improving your FICO scores wherever you can. Aim for a 650 EQ FICO 9 score or higher. Try to clean up your CRs if any derogatory accounts are listed. Practice the AZEO method on your CCs if you can. That will probably boost your FICO 8 & 9 scores by ~10 to 20 points. Don't let every revolving account report $0, or you'll get hit with the "All Zero" (AZ) penalty, which is a loss of ~10 to 20 points. Do you have any open installment loans? If not, you can gain 15 to 35 points on your FICO 8 & 9 scores by using the SSL Technique at Navy Fed.
If you need an explanation of the AZEO method or SSL Technique, please let me know by posting a reply message with @USMC_Winger in the post so I receive a notification.
Good luck!
Thank you for the suggestions. I have 3 cards with Navy Federal. I'm never late and they're all under 15% in utilization. Right now Navy Federal has my Fico 9 at a 747. I have no derogotories and the rest of my payment history is stellar. I use Navy Federal as my primary bank and I feel like I have a pretty good relationship with them. I spoke with an agent about 5 months ago and she suggested that the issue was that I was paying that particular card in full every month. Since then I've been sure to leave about 5-10% utilization on the card, and still nothing. Lol. At this point I just think they hate me; which is hard to believe since the've given me over $30k in credit on my other two cards. I'm going to try to keep leaving a little balance on this card each statement and see what happens.
@Anonymous: It sounds like you should've already graduated. I did a lot of research on graduating the secure nRewards CC the fastest. Normally, that's after 6 full billing statements, as long as all other graduation criteria are met. These graduates used the nRewards CC every month (6 to 7 months in a row), consistently kept individual and aggregate CC utilization very low, and PIF every month, often multiple times per month.
I graduated in March this year at 7 months, and here's what I did: