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Navy SSL FICO 8 & 9 Score Bump

FloridaBoi
New Contributor

Navy SSL FICO 8 & 9 Score Bump

So I opened a NFCU SSL b/c I only have a closed installment loan on my CR, and it's my one & only derog as it's a CO with WF. 
In March of 2020 I got a BofA secured card with $1K CL. FICO scores were barely 500. Didn't use the card like I should and had very high util(hadn't found MyFICO yet). In March 2021, I got a Discover IT secured card, $2K limit. FICO scores 620-641. 
April of this year, I apply for and get NFCU GO Rewards unsecured card for $1K. It still hasn't not reported yet as expected. I also opened a NFCU SSL for $3,100 the day after my GO Rewards. Paid it down to $275 once I was able. It reported to TU today. 
I got a +15 point score increase on my TU FICO 8(now 647) and a +24 point score increase on my TU FICO 9(now 661). 
Im very pleased, I actually wonder if it will increase more over time from the SSL reporting paid as agreed. I'll post back in a week or so once EX & EQ update. 

Also, I've applied multiple times for the Apple Card, always denied. Last denial my TU FICO 9 was 644 and my CO was a factor for denial of course. Today I tried again just to see, Approved for $1K. It's not a great SL and I won't accept it but it's nice to see my hard work pay off and lets me know I'm on the right track. 
I'm officially in the garden until 2022!! 
And thanks to everyone here who posts and helps because without you all I wouldn't be where I'm at now, so thanks a ton! 

16 REPLIES 16
AZnotorious
New Contributor

Re: Navy SSL FICO 8 & 9 Score Bump

Great work and nice score increase! Thanks for sharing your DPs!

Message 2 of 17
ImTheDevil
Community Leader
Super Contributor

Re: Navy SSL FICO 8 & 9 Score Bump

Great results - you're on the path now. It only gets better from here Smiley Happy



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 3 of 17
FloridaBoi
New Contributor

Re: Navy SSL FICO 8 & 9 Score Bump

@AZnotorious @Thank you

 

@ImTheDevil thanks bro. Patience is the hard part. Maybe one day I'll get me 25 from Navy too 😜

Message 4 of 17
ImTheDevil
Community Leader
Super Contributor

Re: Navy SSL FICO 8 & 9 Score Bump


@FloridaBoi wrote:

@AZnotorious @Thank you

 

@ImTheDevil thanks bro. Patience is the hard part. Maybe one day I'll get me 25 from Navy too 😜


Lol keep doing it like you are and finding patience and I have no doubt you will Smiley Happy



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 5 of 17
scorezilla
Valued Member

Re: Navy SSL FICO 8 & 9 Score Bump


@FloridaBoi wrote:

So I opened a NFCU SSL b/c I only have a closed installment loan on my CR, and it's my one & only derog as it's a CO with WF. 
In March of 2020 I got a BofA secured card with $1K CL. FICO scores were barely 500. Didn't use the card like I should and had very high util(hadn't found MyFICO yet). In March 2021, I got a Discover IT secured card, $2K limit. FICO scores 620-641. 
April of this year, I apply for and get NFCU GO Rewards unsecured card for $1K. It still hasn't not reported yet as expected. I also opened a NFCU SSL for $3,100 the day after my GO Rewards. Paid it down to $275 once I was able. It reported to TU today. 
I got a +15 point score increase on my TU FICO 8(now 647) and a +24 point score increase on my TU FICO 9(now 661). 
Im very pleased, I actually wonder if it will increase more over time from the SSL reporting paid as agreed. I'll post back in a week or so once EX & EQ update. 

Also, I've applied multiple times for the Apple Card, always denied. Last denial my TU FICO 9 was 644 and my CO was a factor for denial of course. Today I tried again just to see, Approved for $1K. It's not a great SL and I won't accept it but it's nice to see my hard work pay off and lets me know I'm on the right track. 
I'm officially in the garden until 2022!! 
And thanks to everyone here who posts and helps because without you all I wouldn't be where I'm at now, so thanks a ton! 


Great progress! Happy Gardening 🌱 



Starting Scores: EQ567 EX574 TU546
Current Scores: EQ650 EX630 TU608
Goal Scores: EQ700 EX700 TU700
Take the myFICO Fitness Challenge



CH7 D/C: 10/2020
"Patience, Persistence & Perspiration Make An Unbeatable Combination For Success"
Message 6 of 17
AllZero
Super Contributor

Re: Navy SSL FICO 8 & 9 Score Bump

Congratulations on your success! You got some great lenders on hand. Your graduation will come before you know it.

Message 7 of 17
FloridaBoi
New Contributor

Re: Navy SSL FICO 8 & 9 Score Bump

EX FICO 8 increased by +17 points. Super stoked. 😁 

Message 8 of 17
FloridaBoi
New Contributor

Re: Navy SSL FICO 8 & 9 Score Bump

EQ FICO 8 increased 11 points & EQ 9 increased 16 points from the SSL. Just wanted to document the increases in case anyone was wondering but of course I know all profiles are different. 

Message 9 of 17
AllZero
Super Contributor

Re: Navy SSL FICO 8 & 9 Score Bump

Those are nice score increases! 👍
Message 10 of 17
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