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  1. No worries, best of luck and nice chatting with you 😎
  2. 🀣 I know how to see messages I just don't see one from you,check on your end that it was sent maybe. You don't have to call, just log in and go to credit cards and select prequalify.
  3. Really, I don't see a message. No I hadn't made any monthly payments since I paid it down the first time. I can't imagine them not reporting because you still made the monthly payment, just in one lump sum. NFCU is a great credit union by the way, I've been with them since like 97. They have always been the easiest to establish credit with. I'm not sure what your overall credit looks like, but did you try their prequal for cc on the website?
  4. You're welcome! I got a 33 point jump on my EX, cant remember the other two. I didn't have any open installment credit so it worked for me because I needed the credit mix.
  5. πŸ€¦β€β™€οΈ I actually shop on Wayfair a lot. I wanted a new Macbook but didn't want to pay all at once and HSN had 12 months same as cash financing.
  6. Update I increased my Discover to $500 Added the following accounts Wayfair $500 HSN $1800 Approved for 38k with Wells Fargo @ 8% but hadn't gotten vehicle yet. I tried NFCU but they declined me 😒 Finally unfroze TU yesterday and did prequal for NFCU cc and was approved for $7300 πŸ™ŒπŸ™ŒπŸ™Œ. I will refi my vehicle with them at end of year to get interest rate down 😁
  7. Today I decided to unfreeze my TU and give NFCU a try. You can see if you prequalify and it said congrats πŸ‘€ So I submitted the app and they gave me a whopping $7300 😁😁😁 This is by far my highest limit 😊
  8. Decided to unfreeze my TU and try NFCU for a credit card. You can see if you prequalify and it said yes πŸ‘€ So I applied and they approved me for $7300 😁😁😁 This is my highest credit limit so far and I'm super excited.
  9. No credit pulled for share secured loan.I just called them and did app over the phone
  10. I took out a small share secured loan in March and immediately paid it down leaving 9% balance and my scores jumped. I checked Experian to make sure its reporting every month and it is on the 1st.
  11. Thanks, I thought each CB used FICO πŸ€¦β€β™€οΈ I was aware of the lenders using different FICOs as well as possibly internal scoring models. I did kinda wonder why NFCU had my FICO at 644but I chalked it up to maybe the used a different version of FICO. So is Credit Check Total and My FICO the only places I can get true FICO scores for all CB? My FICO is only showing updates to my TU & EX scores, is this normal?
  12. Oh wow really... I didn’t know that. It gave me all 3 scores for a dollar instead of the regular price of $29, I believe.
  13. So I received an email from EQ for an offer for a 7 day trial plus scores for $1 Now I finally know my EQ score is 614 😍😍😍
  14. Yeah I definitely don’t think it’s accurate. I may just pay EQ directly to get my updated score.

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