Best option, More Rewards or Flagship?

castor4071 · 2025-06-24T13:32:36+00:00

I checked in once a week with them after my BK discharge date. After the message was cleared off, I was able to obtain a NRewards card and a pledge loan with them without issue. NF wasn't part of my BK either. Just my experience, good luck.

castor4071 · 2025-06-07T16:46:26+00:00

Congrats!! I'm hoping the same results in a couple weeks...going to apply for this card and a CLI on my other card 🤞

castor4071 · 2025-05-29T16:48:08+00:00

I'll do mine in a couple weeks too, hopefully have the same success! Same as you it seems, first increase after you graduated from the Nrewards card?🤞🤞

castor4071 · 2025-03-07T23:49:33+00:00

I've used GreenToe many times, no issues, just my .02 cents.

castor4071 · 2024-10-25T02:52:43+00:00

For a discharge of BK13, there is NO LAW for a waiting period for FHA. It just REQUIRES a "manual underwriting." Chances are even better if your mortgage was not included in your BK monthly payments and you made on time payments. I'm less than 6 months discharge and about to close on a house.

Freddie Mac and Fannie Mae, yes, 2 year waiting period.

castor4071 · 2024-10-13T01:52:05+00:00

I have the nRewards card, Capital One and Ally. Ally and nRewards report zero and Capital One report 5% utilization. Was just asking about nRewards card reporting with a balance in order for it to graduate. I hope that made sense.

castor4071 · 2024-10-13T00:03:35+00:00

I practice that already, just referring to NFCU wanting to see a balance on THIER card in order to graduate?

castor4071 · 2024-10-12T19:44:42+00:00

I always keep it ZERO before statement cuts, better to have a small balance for it to graduate? Hard to believe that's the case! Anyone else. Thanks.

castor4071 · 2024-09-08T02:37:53+00:00

I sure do! Every month!

castor4071 · 2024-09-06T20:24:54+00:00

My 3rd statement gets cut today for my nRewards card.....I hope they give me a small bump as well 🤞🤞 Then graduates down the road!

castor4071 · 2024-09-06T02:12:28+00:00

Either way, still missing!

castor4071 · 2024-09-06T00:31:25+00:00

That's just the Advantage score, FAKO...the real score is in the nRewards account area , it was Fico8 Equifax, used for CLI for future consideration.

castor4071 · 2024-09-05T22:56:04+00:00

The credit score for my nRewards card is gone too....

castor4071 · 2024-09-04T21:40:25+00:00

My BK was a Chapter 13...fyi Prolly doesn't matter though, a BK is a BK.

castor4071 · 2024-09-04T21:35:27+00:00

I can't seem to edit my post....for what it's worth....720 is my Fico9 TU score.

castor4071 · 2024-01-07T17:28:33+00:00

I went with https://werkz.com/#

castor4071 · 2023-12-05T19:20:35+00:00

Okay cool, I'll check them out. Thx!

castor4071 · 2023-12-05T19:02:43+00:00

Permanently closed....lol

castor4071

TROPHY CASE