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Emotional Rollercoaster Ends with a Warm Hug from NFCU

Community Leader
Super Contributor

Re: Emotional Rollercoaster Ends with a Warm Hug from NFCU!

Oh wow man, thats a great rebuild story. Im so sorry for all what happened, and next time, no matter how hot she is....dont marry her, or live with her for that matter ( and Im a women!!) LOL.. Seriously though, if there is a next time...prenup and separate bank accounts Smiley Happy

Much congrats to you on all your hardworking, efforts and rebuild. Welcome to forums, and definitely ask questions, and do your research before applying to any of the big banks. We'll help you out, and save you from unnecessary HP's and denials.
(BK7 d/c-08/2013/FICO-400's) ~ Current scores....Your guess is as good as mine! ???
Scores being held down by tons of INQ/New acts Smiley Wink
Message 11 of 19
Regular Contributor

Re: Emotional Rollercoaster Ends with a Warm Hug from NFCU!

Welcome to the forums and thank you so much for sharing your story with all of us. Wishing you much success on your journey towards a full rebuild!



Rebuild Began 2/2018
Starting Scores: EX- 550, TU- 534, EQ- 551
Goal Score: 700 across the board
Message 12 of 19
New Contributor

Re: Emotional Rollercoaster Ends with a Warm Hug from NFCU!

I read through your post with fascination and anticipation. Your story warmed my heart. I'm so glad your credit rebuild is going so well and I hope the same for your personal life as well!

FICO 8 Avg. 745 CHASE/CITIBANK/DISCOVER/USBANK/AMEX/NORDSTROM/ MACYS/BARCLAYS/FNBO/JCPENNY/SEARS/TARGET/CHEVRON/1ST UNITED CU/PATELCO CU/AAoA 15 years
Message 13 of 19
Established Member

Re: Emotional Rollercoaster Ends with a Warm Hug from NFCU!

Hi, @pizza1, and thank you for the chuckle!  It's interesting that you mention prenups.  I wanted a prenup and my spouse seemed to be in agreement that we should have one, given the large disparity in assets.  However, when I hired an immigration attorney to guide us through the USCIS naturalization process, he advised us to wait, since to his eye we were clearly in love.  His reasoning made sense to us both at the time:  While prenups are very common and generally don't cause anyone to arch an eyebrow, the USCIS agent who would be conducting our upcoming interview could interpret the mere existence of a prenup as evidence of both of us planning for the dissolution of the marriage.  My attorney's recommendation was to get through the USCIS interivew and then file a post-nup, if I still felt that I needed it.  However, my spouse was packed and gone two weeks after the Green Card arrived, and I hadn't even drafted a post-nup yet! 

 

Live and learn.

Message 14 of 19
Established Member

Re: Emotional Rollercoaster Ends with a Warm Hug from NFCU!

Thank you, @Dave4fun, for your warm wishes.  This forum and its members are truly amazing . . . and inspiring.

Message 15 of 19

Re: Emotional Rollercoaster Ends with a Warm Hug from NFCU!

Congratulations on all your recent rebuild success. I know firsthand how stressful this process can be but you seem to be on the right track. I love the positivity you exude despite the hardships you faced. I'm certainly rooting for you!

Scores:
02/2018 - EX 580 EQ 596 TU 596
06/2018 - EX 646 EQ 673 TU 663
Goal: 700 across the board

First Progress MC (secured) $200 || First Progress MC (secured) $200 || Discover It $800 || NFCU GoRewards $500 || NFCU CLOC $4,000 || US Bank 365 Cash Rewards $1,000 || PenFed Power Cash Rewards $10,000 || Williams Sonoma Visa $1,000

Gardening until December 2018
Message 16 of 19
Established Member

Re: Emotional Rollercoaster Ends with a Warm Hug from NFCU!

Thank you, @CreditNewbie84.  I appreciate the kind words.  And by the way, judging from your signature, you've made some impressive strides yourself.  Keep up the good work!

 

Just don't ask me to be a cosigner . . . at least not yet.  Smiley Tongue

Message 17 of 19
Contributor

Re: Emotional Rollercoaster Ends with a Warm Hug from NFCU!

Quite an amazing story, I admire your strength. Congrats on the rebuild, you are on the right path.


Work In Progress:



Current Revolving CL: Personal ~$345K [] Business ~$54K
Current INQ: EQ: 10; TU: 9; EX: 15
UTIL 11%
Gardening Until Dec 2019 or Until All Scores are back above 800s

Message 18 of 19
Established Member

Re: Emotional Rollercoaster Ends with a Warm Hug from NFCU!

Thank you, @Time2letgo.  I really appreciate it.  Funny, but I didn't feel especially strong for quite a while.  I think for the first year or so, I just sort of walked around as if I was in a state of abject shock.  There were days I literally could not move.  It was the most crippling, debilitating form of depression I'd ever experienced.  But slowly but surely -- and with the support of my friends -- my strength came back.  I'll have a bad day here or there, to be sure -- but on balance, I finally feel as if I've got a plan and I'm on the right track.  And I have the members of this forum to thank for that in some measure.  Truly.

Message 19 of 19