Jump to content

shifter

shifter's Rebuilding Thread

Recommended Posts

 

 

 

Did you freeze TU and force them to pull EQ?

Yup.

 

 

Excellent. Several months ago I kind of did the same thing but it didn't work as well.

 

I haven't had my BK removed from EQ but my EQ9 FICO was 762, substantially higher than TU or EX. I froze TU and apped. Unfortunately, NFCU tightened their BK policies right before I apped.

 

My approval was at 10.65%, the tier 1 pricing at the time. That was pretty cool for a 16 month old BK. The crotch kick was that NFCU had just instituted a $1k max CL for BK's 1-2 years old, and secured only for less than 1 year.

 

I am still trying to find out if the $1k restriction applies only to initial CL or if it also restricts subsequent CLI's during 1-2 year BK period to a max line of $1K.

 

DW was approved for her Navy Cash Rewards 1 year ago for 1K at fourth statement hit the luv button and got a SP 2K increase. 6 months will be March 14 will hit luv button again. Her BK is 30 months old just some data points for u.

 

 

Thanks :). DW 18 month approval matches the $1k restriction between 12-24 months. It looks like DW might have had her CLI before NFCU really tightened, though.

Share this post


Link to post
Share on other sites

Wow, just now seeing this as I haven't been very active here in quite some time. I felt sick reading your story. I came here with pretty much no credit in 2014, started building up, and at one point in time I almost had more debt than I could float, but thankfully never did have to pay any interest. Got it turned around, and almost done funding my emergency fund.

 

As I built my credit, I worked on increasing my CL's and adding lines, but I got to a point where it wasn't a very rewarding game (I haven't stopped hunting bonuses though.) There was a lot of glorification here of the idea that it was really great to get 250k, 500k, a million and beyond in credit lines, and I remember thinking at the time that someone was going to use it irresponsibly and get burned. I didn't think it would be one of the most knowledgeable people here, though.

 

I'm glad to see you handling it so well and getting yourself back to good. Thank you for sharing your story here. Most people on the internet only want to pretend they're awesome and everything is always going great, lol.

Edited by mrage

Share this post


Link to post
Share on other sites

after 2 failed tries at a C1 CLI, they auto-CLI'd me 1k to $3500 after the 6th statement just cut. I'm definitely on the credit steps program.

Share this post


Link to post
Share on other sites

Well I forgot my QS1 was already at 3k. So this is only a $500 CLI. Kind of disappointing really.

Share this post


Link to post
Share on other sites

Well I forgot my QS1 was already at 3k. So this is only a $500 CLI. Kind of disappointing really.

Incremental progress is still progress.

Share this post


Link to post
Share on other sites

Yeah. Disappointing is not the right word really. Lackluster is more apropos.

Share this post


Link to post
Share on other sites

after 2 failed tries at a C1 CLI, they auto-CLI'd me 1k to $3500 after the 6th statement just cut. I'm definitely on the credit steps program.

considering you burned them for 5 figures what more could you expect.......................getting this far with them monumental in my opinion it lets other know they can rebuild with cap 1 pretty easily

Share this post


Link to post
Share on other sites

Just pulled my 3B report from CCT. EQ is completely clean after my most recent disputes. They removed all the 30DLs from the last month before my BK. Score only went up to 750 due to all 3 of my CCs reporting balances. Will have to optimize my reporting util next month and see how high my score will rebound.

Share this post


Link to post
Share on other sites

I may not see max score for a few months until I get rebucketed to the clean 6+ year AAOA bucket.

Share this post


Link to post
Share on other sites

Got my NFCU account reopened with my grandfather's paperwork so that was nice.

 

I think I'm going to wait to apply with them until my new C1 and Disco cards report and one with a $2 balance which should improve my scores.

What paperwork was required to join? My Pop-Pop was a WWII vet, but have little to nothing of his to go on...

 

Thanks,

 

Joe

Share this post


Link to post
Share on other sites

Oh ok, thanks! Ill have to see if Dad has his SS#...

 

Hate to ask him for it, no one in my family would understand the need to join a credit union like NFCU. They all have good credit already. Lol

 

Joe

Share this post


Link to post
Share on other sites

Got an email this morning that Disco is returning my security deposit. Sadly, no CLI to accompany it though so it will stay at 2.5k.

 

I guess I'll have to try the luv button at some point.

Share this post


Link to post
Share on other sites

7th statement just cut last week.

 

seems to be the standard timeframe.

Share this post


Link to post
Share on other sites

I've been on the continual lookout for A Visa for Costco. Remembered Delta Community CU previously from my 50k CU thread days. They offered me something atrocious for my CL previously, probably 10k and I cancelled my app. But right now with my limited options for creditors especially those that pull EQ, beggars can't be choosers.

 

Apped today now that my high balance on NFCU has reported at $2 and will see what they say.

Share this post


Link to post
Share on other sites

well, that went down in flames. looks like DCCU changed somewhere along the line and use EX exclusively.

 

that matches up with the recent entries in the CP database, whereas all the older entries are EQ.

 

strike them off the list...

Share this post


Link to post
Share on other sites

Too bad a hard pull was the cost to find that out.

no pull. EX is on ice, so they emailed me to get me to unfreeze it.

Share this post


Link to post
Share on other sites

finally seeing higher EQ08 scores after the rebucketing took effect.

747 in April

767 in May

777 today

And I have all 3 of my open cards reporting balances right now, so it's not even close to optimized.

Share this post


Link to post
Share on other sites
1 hour ago, shifter said:

finally seeing higher EQ08 scores after the rebucketing took effect.

747 in April

767 in May

777 today

And I have all 3 of my open cards reporting balances right now, so it's not even close to optimized.

Impressive progress.  Congrats. :D

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.





  • Today's Birthdays

  • Member Statistics

    • Total Members
      177,993
    • Most Online
      2,046

    Newest Member
    joec08
    Joined

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

Guidelines