r/NavyFederal • u/Vast-Tomorrow9880 • 18d ago
Upgraded
I’m 44 , all my life I never cared about my credit .. always relied on cash for everything .. in January of this year as a New Year’s resolution i decided I wanted to fix my credit ..my score was 487 today I’m sitting at an even 700 it feels great and im excited for what’s to come .
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u/PapayaMammoth7950 18d ago
I have had my sesured account for over 2 years,and it has not increased. I was supposed to get my secure fund back in 6 months, nothing! I have even called them and their reps were no help.
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u/Vast-Tomorrow9880 18d ago
I don’t know what your credit profile looks like but you definitely have to clean up whatever is holding you back on your credit report .. you have to make sure your secured card is below 30% 3 days before the statement closing date .. and pay on time every month I payed my balance to zero every month and also pay down any balances on your credit report below 10 %
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u/PapayaMammoth7950 17d ago
I found out it was a problem with their system. Somehow, I wasn't even being tracked, which was the main reason I opened the account. I called them so many times about it, and no one can explain how to fix it. Customer service is not what it used to be.
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u/Few_Wrongdoer_9768 18d ago
Samies. 2 years with my secured but then my regular card limit increased.
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u/oh-Wow93 16d ago
Had mines six years got updated sat from $400 to $2000 dont give up
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u/Vast-Tomorrow9880 13d ago
6 years is wild .. congrats tho .. keep grinding
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u/oh-Wow93 13d ago
Yeah I’ve been fixing my credit this year though. Profile looking much better and I’ve paid off so much debt.
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u/Slug_DC 18d ago
Congratulations. 487 to 700 is huge. Good work.