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Registered: ‎09-13-2012
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

@CAnNY

Well done! I like your 'holy hot sugar snaps'. :smileylol:
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Posts: 1,546
Registered: ‎08-30-2012
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

I got the itch again with the love button. Hit it on the Flagship and asked for 25k, immediate counter for 22k.

This the season!!!

This card has a zero balance and I just paid it off recently (4k balance).


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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Posts: 4,317
Registered: ‎07-17-2013
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Madman.....WOW!!!! Contracts to you too!!!! The system works again!!! These approvals are amazing!! So happy for all of you!!!!! Congrats!!!:smileyhappy::smileyhappy::smileyhappy::smileyhappy:
(BK7 d/c:08/19/13~FICO-400's)--->06/01/15- EQ 663, TU 657, EX 676

Total credit lines $196,300 / 1% util reporting
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Registered: ‎08-30-2012
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Oh I am stoked. In Aug 2012 I didn't have a single card. I'm thankful, trust me.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
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Posts: 2,748
Registered: ‎07-12-2012
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Congrats to both of you on the increases!!!!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 06/2015
720 TU FICO 06/2015
727 EX FICO 06/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $11k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
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Posts: 456
Registered: ‎06-04-2013
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Does anyone have any evidence that the SP on 10/29 is used for recent CLI requests? I am intrigued now, but i'd rather not test the waters and risk a HP. I'm holding out for HARP3 so I can refinance my condo.

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Posts: 4,317
Registered: ‎07-17-2013
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Ugh!!!!!

Saw where navy SP me on 10/29 as well, but I'm not anywhere close up for CLI:smileysad: my account was opened on 10/12/13, with $500 CL , so I have several months to go before I can ask! But these reports back are so awesome to read!!!!!!

Maybe If all of you get cli now, then we all will be up again for sp at the same time, lol!! Maybe then ill be able to post at least triple digit success:smileyhappy:. Meantime, I'm gardening and it stinks! :smileyhappy:
(BK7 d/c:08/19/13~FICO-400's)--->06/01/15- EQ 663, TU 657, EX 676

Total credit lines $196,300 / 1% util reporting
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Posts: 854
Registered: ‎12-09-2012
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Ok so I have a question!

 

Nrward was 20,000.00  I took 5,000 over to Cash Rewards( no HP).  so now I have Nrewards 15,000.00  and Cash Rewards 5,000.00 so do I have room on Both now for CLI?

 

Both have very high UTL for the moment.  I have had NR for 6mo and CR 5months.

I just bought a car and have 10 INQ on EQ which they will pull if its a HP. I know NFCU dont care about inquirys. But th UTL is what I am wondering about.

 

 

Before I attempt this luv button .....

Whats are the thoughts on UTL being down first and age of cards?  I know the first time will prob result in a HP..

 

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
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Posts: 1,546
Registered: ‎08-30-2012
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Navy does regular reviews. If your accounts with them are good and your CR looks equally as good, I say go for it.

Ktl,


Personally, I'd pay the until down first.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
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Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"


ktl72455 wrote:

Ok so I have a question!

 

Nrward was 20,000.00  I took 5,000 over to Cash Rewards( no HP).  so now I have Nrewards 15,000.00  and Cash Rewards 5,000.00 so do I have room on Both now for CLI?

 

Both have very high UTL for the moment.  I have had NR for 6mo and CR 5months.

I just bought a car and have 10 INQ on EQ which they will pull if its a HP. I know NFCU dont care about inquirys. But th UTL is what I am wondering about.

 

 

Before I attempt this luv button .....

Whats are the thoughts on UTL being down first and age of cards?  I know the first time will prob result in a HP..

 

 


If you haven't been with Navy for over a year in total (like with checking\savings etc before the cards or car loan), you might want to wait.   They don't mind INQs or somewhat high UTIL but it depends on your file and history with them.  Less than a year might not be the history they might need to see to extend more credit with what you've listed is on your CRs.  For what you put in your siggy for a few past issues, I'd say you're doing fantastic already.  You might want to wait a while and have lower UTIL before asking for anything more...  

 

If you read through this thread (I think this is the correct one), you might find details on how the "luv button" supposedly works for HP and SP indicators, in case you want to try that route.   Navy isn't known for closing accounts, but it has happened.  Asking for too much too soon is usually the trigger from what I've read.

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