@Anonymous wrote:
Bumping again... Seeking advice on my original question...
USAA & NFCU "what was everyone's credit file when they were approved for these? Credit scores, utilization levels, inquiries, late payments, collections?
By comparison to my credit file: EQ 531 EXP 580 TRANS 602 (11-08-12) fakos, was just 524, 530, 564 two weeks ago before I paid down maxed out cards to 59%, expecting bigger rise in scores after I pay off balances in full next week
Revolving: 2 First Premiers cards 2011 & 2012 - $300 limits each, 3 store charge cards 2012 - $400, $300, $500 respectively, never late on ANY...
Installments: 2012 personal loan $1500/$1800 - never late, 2008 auto loan $0/$9733 - 3 30day lates and 2 60day lates, 2004 student loan $0/$1400 - never late, 2011 closed personal loan $0/$1400 - never late, 2008 closed auto loan $0/$9733 - never late
Collections: 3 total left, $279 - 2008, $75 - 2006, $307 - 2010
Thanks!!!
I was approved for both the USAA AMEX and USAA Rewards MC with scores in the mid 600's for $4K each with three judgments, 3 30 days nearly hitting the 7 year mark. I only had my BBRZMC with a $500 limit a Walmart with $300, and my HSN with $700. As well as my Chase auto loan. They pulled EQ for both cards opened about 2 months apart. Good luck in your apping.
