Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


  • Content Count

  • Joined

  • Last visited

Recent Profile Visitors

445 profile views
  1. Equifax is a mess. There must be something with Equifax and NFCU. I have 1 CC, a car loan and a CLOC with NFCU. Equifax has been reporting the car loan as a revolving account with the remaining 8K+ as an outstanding CC balance depressing my score from 775+ it should be to 764. Discover pulled EQ and I suspect the small CL it gave me has to do with these errors on my EQ report.
  2. On the other forum they say the path of least resistance to >50K with NFCU is applying to 3 cards FAST & FURIOUS mode. 25K*3=75K. But 75K with 3 cards not as sexy as one card for true CB'ers. LOL
  3. No. These do: Discover, TD, Cap 1....
  4. Penfed Cash rewards, $15,000. Not instant. Had to provide POI in the form of 2 paystubs. I think I triggered that request by putting down my annual income($42,000) on the App where the app asked for monthly income. Initially they wanted to approve me for $10,000 unless I also submitted 2 years of Tax returns showing my self employment income I told the CSR that I can send the tax return and asked to speak to the underwriter. The CSR told me I can't talk to the underwriter and that he will take my concern to him. After a few minutes on hold he came back and said that the underwriter approved the higher CL after reviewing my CR and seeing that I have large CLs without any balances. He said he doesn't understand why the system requested POI. Hope this helps someone trying to play Penfed.
  5. I am puzzled too. I don't know which report they pulled. It might be that they pulled EQ which has 6 stupid inquiries, mainly from Navy and Penfed. NASA's just now approved me for $17,600 with only $42,000 stated income plus $20,000 additional income. I am now looking to build $30,000+ CLs. I have no patience for subprime CLs. My profile deserves better than a useless $3.9K.
  6. I applied for Discover IT just now and was given a $3,900 CL. They've been sending me pre approvals every month. All scores are above 770. Stated Income, $97,000. I asked for application review and was given the usual BS that "here at Discover we do thing a little differently, we can't increase credit line at this time. We need at least 3 months of usage." I told them that the CL is unacceptable for my current profile and that I am withdrawing the application. So App withdrawn. Don't care for the inquiry.
  7. No need. Excellent Job. FWIW in the absence of derogatory info, at high 700's-800's range FICO and FAKO tend to correlate
  8. Amazon store card (8th statement) $2,700 -> $5k. Requested online, asked for $5k total... Yea! Congrats
  9. I have had several approvals and many CLI lately that I have not had time to post each but as of today my signature is accurate and I have officially succeeded and met both my goals of 500k for both Biz and Personal and hit the One Million Dollar mark in open lines of credit between the 2 not counting AU which puts me even higher. I owe my thanks to the many of you on this credit board and I want to personally thank you for the knowledge you have shared which helped me to reach my goals and much quicker than I had expected. I will stay around and help others as I can and pass on my knowledge and will help anyone that ask me for help. Congratulations!
  10. Any stable job with any income plus a side job like rideshare service using your own car. Buy a cheap car if you must. Cut your expenses at a bare minimum. That's how I did it. Now I can face any bills and pretty much get any cards. Good luck.
  11. Time to buy. Buy on the dip in Ponzi Cheme jargon.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information