shifter's Rebuilding Thread

[DigDeep]

 

 

 

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.

[mrage]

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 February 18, 2018 by mrage

[shifter]

Recent app spree.

 

https://creditboards.com/forums/index.php?showtopic=609530

[shifter]

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.

[shifter]

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

[cv91915]

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.

[shifter]

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

[nosup4u]

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

[shifter]

Yeah that's true. Thanks for keeping my perspective.

[shifter]

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.

[DigDeep]

Nice. Curious to see where EQ lands after optimization.

[shifter]

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

[Joe6805]

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

[shifter]

Discharge papers. However getting them was as simple as filing a request online.

 

https://www.archives.gov/veterans

[Joe6805]

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

[shifter]

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.

[darrin73]

How long u had your disco card

[shifter]

7th statement just cut last week.

 

seems to be the standard timeframe.

[shifter]

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.

[shifter]

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...

[DigDeep]

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

[shifter]

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.

[DigDeep]

Makes sense. You probably have both TU and EX frozen.

[shifter]

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.

[cv91915]

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.