u/EdPM9019

I messed up BIG TIME with NF! My history with NF dates back to 2013 with the flagship card at 7500 initial credit limit. Utilization & payment was great. Got a CLI 5500 within 2 years. In 2020 I applied for a car loan…approved for 32000 over 6 years. Paid the car loan off in 3 years then LIFE HAPPENED in 2024.

Defaulted on total credit profile. FICO 8 Credit score crashed from 746 to mid 400s. As of today my middle FICO 8 is 643. I am currently in a repayment plan for my debts and have been making on-time payments. REALLY want to re-establish my NF relationship!