I am rebuilding my credit started 2 years ago in the very low 500 range. Got a secured card had it for 2 years (they never graduated my card nor will they make it unsecured). I had a 560 when I applied for an unsecured card and I got approved for a 17K limit Go Rewards unsecured card. 2 months later my score is now 640 and I am going back to NFCU for my first home loan.
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After banking with navy federal for ten years they finally used the old bait and switch to close my credit card account. I was out of work for three months and looking for work frantically. I always paid for insurance on any loan or credit card for disability,death or unemployed situations. I submitted my request after I was laid off and was denied. For what reason I have no Idea. Nfcu would not give a clear answer. After three months of no income I fell behind. I found work finally and made the payments to catch up on everything. Then nfcu closed my accounts and removed the insurance. They are reporting my accounts closed on my credit which has tanked over a 100 points in the past week. I have retained an attorney and plan on fighting this. They charged me for a service to protect me if I was hurt or ever out of work and than as soon as I really needed it they denied me and threw down the hammer. Don't bank with them