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  1. Big Congrats on the new loan and savings that you will achieve! Good luck with the rest of the journey!
  2. This blows but maybe they are moving slow because of the holiday. If they don't work out I hope you do look elsewhere and do not get discouraged by them. Big time congrats!!!! This is great news
  3. I was wondering this exact question? Does everyone just pay for the products on each site? (I keep reading that products from these companies are garbage) I have a 10 year old business and had accounts with Uline, Quill, and Fedex, plus a local vendor account that says they report. I sign into dnb iUpdate and I am seeing "1 cash experiences at $50". Nothing else shows; not even sure this is what I should be looking at. I have had 2 different transactions with Uline this year for over $350 so I am confused. Where/what I should be doing to track my progress & tradelines? I did a search at experian site: https://sbcr.experian.com/pdp.aspx?pg=Sample&hdr=PP&link=5502 and my business shows in the search "With Tradelines". My Equifax search produced no results: https://www.equifax.com/business/small-business/
  4. When I was in this same situation (denied for a capone secured card, but because of my history) at the beginning of a rebuild I was able to start a secured cc in person at my small local credit union (Los Angeles Federal Credit Union) and once they start reporting to the bureaus you are in the door. I think around a year later I applied again for a secured with CapOne and it was approved no problem.
  5. Congrats Roger on your journey and making great progress! This! I'm not sure if NFCU was a "no-go" from your father not wanting join? Or if they denied your eligibility? I was actually able to sign up even though my Grandfather was several years decesead at the time, with a copy of his DD214; He was never a member of NFCU. I went into the branch and it was no problem. If you don't have branch access I think you can do it over the phone. I pasted the steps on their site: NFCU has been a god-send giving me my first unsecured card when I had so so scores (600-650), and still a collection or two on my report. I was also able to get a 25K Auto Loan approval last year with around a 610. I agree with others that if you can get in, they will probably do you right. I think you may even be able to get a personal loan from them to help you escape the 25%er. some of their rates: https://snipboard.io/fBJ6aj.jpg
  6. Sharing with you all a small success story 😀 January '17 I had a 420EQ score, I got good advice here and started my journey. I'd wrote letters to improve my reports and started my new cards last July (secured with Los Angeles FCU & Capital One, Discover) and managed to get approval for an unsecured 3100CL NFCU GoRewards. I've pretty much been gardening them since then, managed to rehab my student loans thanks to suggestions from folks here. My EQ score has gotten up to around 650. This week I had to find a car loan, and I knew I am still rebuilding and had high usage so I added a cosigner to help get me the best rate on the auto loan. Got denied by two of my credit unions, but NFCU came back with 5.19% interest rate on my loan. After this success with getting pre-approved earlier this week for auto, last night I felt saucy and had a f' it moment just to see if the LUV button would do some good. I put it in 15K as my request, and received a page saying "your request will be reviewed". Woke up this morning to my Navy Federal account showing the limit has been increased to 10K from 3100!!! This is my first 5 digit card ever :-) and I'm pretty amazed and stoked bout this. I thank everyone that has contributed to CB overall, and responded to my posts in the past. This is just the beginning of building something greater! With this new CLI and the fresh auto loan diversifying my report, I hope I can crack 700 in my scores :-)
  7. theRbro


    Poconos, PA
  8. Discover it secured cashback ($300 SL) 561 EQ 562 EX 639 TU (August 2018 in Los Angeles, CA)
  9. Don't do it. Once a CA is paid they have no reason to ever deal with you again. Have you had success with them? and which approach did you take?
  10. I just PFDed an ATT/Diversified collection with no luck. I am going to go the route of paying it off and trying for goodwill removal.
  11. theRbro

    NFCU CC?

    U are fine utilization wise pull the trigger its just one HP. +1000
  12. theRbro

    NFCU CC?

    Percentage owed on the card. The statement balance is what they will report to the credit reporting agencies each month and will affect your score. What are the current balances vs credit limit?
  13. Very nice Kayve!!! Certainly inspirational!
  14. theRbro

    NFCU CC?

    I can also vouch that you should be okay with getting an unsecured card with NFCU. My TU score was about 603 and I only had a $500 secured card (4% util) and I was approved for Go Rewards with $3100 SL. My report also showed a collection account and student loan lates; Generally they'll pull your TransUnion report only for new CCs My one recommendation is make sure your Utilization on those two secured cards is reporting low on your reports before you apply. I've read some stories of people with high utilizations getting denied for just about anywhere because of high utilization %

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