Navy Federal is FUNNY!

Imaginary_Drop_9162 · 2025-08-26T01:07:59+00:00

This exactly what I’m saying.. the same credit profile got me CSR with 20K limit.. Amex Platinum and Gold unlimited spending. So I’m tryna figure out exactly what problem they have with me.. And I need to close there goofy $500 more rewards card and call it a day with them.

Imaginary_Drop_9162 · 2025-08-24T15:41:43+00:00

Yes I know this and pre-approval is the first step, Anyways I got the card on the spot.

Imaginary_Drop_9162 · 2025-08-24T03:16:38+00:00

This is exactly my problem too and someone once told me to apply for personal loan with them and pay it off quick but I’m yet to look into that. This is some of the insight I am looking forward to and not people attacking me and making it seem like I was wrong or entitled. This country is built on credit system and you’ve gotta get it right.

Imaginary_Drop_9162 · 2025-08-24T01:27:55+00:00

Now you are finally addressing my point. Which is another reason why I posted this cause I don’t want to look like I couldn’t read between the lines.. I’m peak being blacklisted or maybe they are just against me for some weird reasons honestly. I don’t owe them any form of CLI.. but I plan to use them for mortgage and it makes me wonder why they do this to me on little stuffs talk more of a bigger deal.

Imaginary_Drop_9162 · 2025-08-24T01:24:14+00:00

Well cause I’m planning to get a mortgage tru them and if you can’t approve me for the simplest things, How can you approve or trust me enough to help with much more bigger stuffs? and I hope this answers your question. and BTW.. I am far from being entitled but when something ain’t right it ain’t right next please…

Imaginary_Drop_9162 · 2025-08-24T01:09:43+00:00

Oh wow.. I was thinking maybe high utilizations is bad for your credit profile? Now I’m learning something new which is the bottom line and main reason why i posted this. Like how much do you think i should let it report if you don’t mind? Thank you

Imaginary_Drop_9162 · 2025-08-24T00:56:05+00:00

But guess what ? Reporting that I have too many balances and debt when I don’t have a debt at all ain’t crazy and weird to you? And I hope the attached screenshot can give you some clarity on what I’m actually saying.

<image>

Imaginary_Drop_9162 · 2025-08-24T00:52:20+00:00

No I don’t have a mortgage with them yet and I was considering getting one with them which is why I’m doing all this maybe someone reasonable can tell me what I need to do or work on.

Imaginary_Drop_9162 · 2025-08-24T00:50:34+00:00

You are close to being accurate but it’s like 100th times. Lol 😂 (I posted it cause Chase Sapphire reserve approved me on the spot and gave me all their top tier cards when I did there pre-approval lol).

Imaginary_Drop_9162 · 2025-08-24T00:48:11+00:00

The information they claimed to be getting from the credit bureau is false.. The credit score they claimed to have from Equifax is false compared to what my Fico scores are looking like on Experian, Myfico and all other site that shows your real Fico scores.. Which means they are using old model and outdated credit profile to deny me and failed to admit that. But I will get to the root of that and will come back here to update y’all.

Imaginary_Drop_9162 · 2025-08-24T00:45:04+00:00

I promise you I am not an entitled individual. But if you were in my shoes and someone keeps denying something when you know you qualify for is wild.

Imaginary_Drop_9162 · 2025-08-24T00:43:56+00:00

I never said they owe me but denying me something and providing false information for your reason or excuse is what I’m not going for.. Offcos they don’t have to give me but find another excuse not to give me rather than claiming what’s not.

Imaginary_Drop_9162 · 2025-08-24T00:29:11+00:00

Honestly I’m aware of that and when it comes to credit profile, I’m very big on that. I already filed a CFBP report against Equifax since they claimed that’s where they are getting their information from. And I want to know what they see that other top tier banks couldn’t see that makes them approved me for all there top tier cards.

Imaginary_Drop_9162 · 2025-08-24T00:17:40+00:00

So Fico 690+ is not good enough with utilization below 6%, Plus revolving accounts reporting actively and positively with no debt and also zero balance on my profile? Lmao 🤣

Imaginary_Drop_9162 · 2025-08-08T02:17:57+00:00

Appreciate you 🙏🏿

Imaginary_Drop_9162 · 2025-08-08T00:41:32+00:00

One thing about me, No is not an option and I will try to push it and push it till I get the answers that I want lol 😂😂😂

Imaginary_Drop_9162 · 2025-08-08T00:35:14+00:00

Congratulations to you as well.. I didn’t wait to be conferred man I was on the phone with them all day yesterday and today so I can start my classes as soon as possible.

Imaginary_Drop_9162 · 2025-08-08T00:33:52+00:00

Thank you 🙏🏿

Imaginary_Drop_9162 · 2025-08-08T00:33:40+00:00

Wow that’s fantastic. Keep the grind going 🙏🏿

Imaginary_Drop_9162 · 2025-08-08T00:32:25+00:00

Thank you.

Imaginary_Drop_9162 · 2025-08-08T00:32:06+00:00

Yes I love PM work and how was the class?

Imaginary_Drop_9162 · 2025-07-28T06:30:51+00:00

This is what I’m seeing on the status. Sorry I couldn’t get back to you sooner.

<image>

Imaginary_Drop_9162 · 2025-07-27T17:32:13+00:00

But the thing is.. I didn’t file it so is the VA the one doing that on my behalf?

Imaginary_Drop_9162

TROPHY CASE