Its time to play - What will NFCU do?

[webhopper]

If they pull TU I will bet 14k
if they pull EQ I will bet 8.5k

[Wolf3]

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@Duncanrr wrote:

Think of this as the anti-barclay version of the game "what will Barclay do?"  My Walmart UTIL updates tonight and I'll be apping (and/or drapping) for NFCU Flagship Siggy Visa.  So lets play "GUESS MY INITIAL CL"    (if I dont get approved I'll probably not be able to show my face on these boards for a while   )

My current scores (that are probably pretty close to being accurate) are:

EQ: 663 FICO, USAA 658

TU: Walmart 705, AMEX pull 702, MyFICO around 680, CK 650, USAA 686

EX: CS 705, USAA 677, MyCreditInform 702

Inquires: 7/4/4 (EQ/TU/EX)

Oldest account: almost 20 years

AAoA: 10 years

Total Accounts on CR: 30

Income: 6 figures, more than 3 years at current job (attorney)

Own home for 5 years

DTI: 18%
UTIL: 2%

No Collections, BK, Judgments

AMEX Zync (NPSL), AMEX Delta 2k  (backdated 1993)

Chase Amazon Visa 2k (opened 9/2012)

Chase Freedom Visa 1.5k (opened 9/2012)

Walmart Discover 1.8k (opened 9/2012)

Cap1 Secured 1k (opened 6/2012)

WF Secured 1k (opened 6/2012)

(have couple old CC's still reporting, i.e. Dillards, Cap1)

Baddies:

1 paid CO from 7/2009 for 109

1x 30 day late SM Student loan Dec 2010

1x 90 day late SM (different loan) Nov 2007

Cap1 Auto: mess - no late more than 60 days, last late March 2012 (do have documents proving consecutive payments for monthly note since Aug 2011 - still fighting with Cap1) 12x30 and 4x60

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$7600,   What do we win if we are the closest?

[Dustink]

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@LS2982 wrote:

I'm gonna say declined on too many new accounts and recent INQ's

(Ducks for flying objects)

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+1 Also, the baddies don't help either.

The income and the AMEX backdating might be your only hope here.

Ideally, they will give you a limit at 10% of your income.

[Duncanrr]

Should I phone in app or apply online?

Should I ask them to pull TU or ex?

[webhopper]

You should app by phone

Pick up navcheck while you are at it!

[ricefed]

They usually pull EQ for membership and then Transunion for credit cards. If I were you I would app for the cash rewards card instead of flagship. More than likely you'll get it. If they give you 5,000 or more it will automatically be the cash rewards signature card. If you get less then use it heavily for 6 months then ask for a cli to 5k or more and then ask for it to be converted to a signature. When I applied I had only 6moths of credit history 1 secured 500 card and 3 negatives. I was approved for 3k to start the. A year later I got bumped up to 9,500. Just something for you to think about. Good luck

[distantarray]

$9,000    and it was TU for membership, and EQ for credit card for me.

[Duncanrr]

The CSR said to app for flagship and if not eligible they would offer me other card. So ill do it that way. Are they agreeable to pulling CR from a particular CRA if you give them a rational reason for it, other than its my lowest score?

[SpeedingWheels]

do it already!

hahaha

we all want to know your results

[Duncanrr]

as soon as CRA update I will. I can't control that ;(. Edit. Walmart processed both payments so balance will be zero on reports. Pulled USAA daily. Not updated yet.