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Its time to play - What will NFCU do?

Moderator Emeritus

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

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

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 11 of 63
Senior Contributor

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


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 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

 


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

 

Message 12 of 63
Valued Contributor

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)


+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.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 13 of 63
Valued Contributor

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

Should I phone in app or apply online?

Should I ask them to pull TU or ex?


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
Message 14 of 63
Moderator Emeritus

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

You should app by phone Smiley Happy

Pick up navcheck while you are at it!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 15 of 63
Contributor

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

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
NFCU cash rewards 10,000 -Chase Sapphire Preferred 6,900-Chase Slate 6,000- Amazon 10,000 - Walmart 10,000- lowes 12,000 - Kay jewelers 7,500 - Amex Zync NPSL - CarCare One 500
Message 16 of 63
Established Contributor

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

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


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 17 of 63
Valued Contributor

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

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?


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
Message 18 of 63
Contributor

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

do it already!

hahaha

 

we all want to know your results Smiley Tongue


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Message 19 of 63
Valued Contributor

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

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.


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
Message 20 of 63