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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Its time to play - What will NFCU do?

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 Smiley Sad  )

 

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

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: Its time to play - What will NFCU do?

11,500
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
0

Re: Its time to play - What will NFCU do?

12 to 15,000

Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Its time to play - What will NFCU do?

Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: Its time to play - What will NFCU do?

Ahhh,, Repo-ed guessed my exact amount too.  Ok, Repo, we're in this one together!   That's my number too.

 

 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Its time to play - What will NFCU do?

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

 

(Ducks for flying objects)




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Its time to play - What will NFCU do?

Hmm. $10k

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Its time to play - What will NFCU do?


LS2982 wrote:

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

 

(Ducks for flying objects)


That is actually a concern of mine.  My two secured cards are not 6 months old and I have 5 other accounts that are 2 months old.  Granted two of those 5 are AMEX which are backdated (not sure how NFCU will look on that).  If they pul TU or EX I'm good on INQ but EQ...it was kind of high.  To be honest, I'll be happy with 7.5k but would love to see 5 digit CL!



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: Its time to play - What will NFCU do?

14,000



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Its time to play - What will NFCU do?

[ Edited ]

Duncanrr wrote:

That is actually a concern of mine.  My two secured cards are not 6 months old and I have 5 other accounts that are 2 months old.  Granted two of those 5 are AMEX which are backdated (not sure how NFCU will look on that).  If they pul TU or EX I'm good on INQ but EQ...it was kind of high.  To be honest, I'll be happy with 7.5k but would love to see 5 digit CL!

 

 
Eww idk...I apped with them in March for a car loan and they definitely pulled EQ. Smiley Sad
 
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