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Frequent Contributor
Posts: 373
Registered: ‎02-07-2014
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NFCU AR ?

I've seen several messages mention the AR of NFCU credit cards.  I would like to know what this means; will someone please explain to me.

Super Contributor
Posts: 17,202
Registered: ‎09-27-2014

Re: NFCU AR ?

AR for CLI
EX FICO  26 INQ  761
EQ FICO  10 INQ  756
TU FICO  12 INQ  770
Total CL$340,00033 TL
Frequent Contributor
Posts: 373
Registered: ‎02-07-2014
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Re: NFCU AR ?

Thanks, Nixon.  So an AR is conducted when one asks for a CLI, not just on a routine, random basis.

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Super Contributor
Posts: 14,196
Registered: ‎04-16-2014
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Re: NFCU AR ?


IncrsCredScore wrote:

Thanks, Nixon.  So an AR is conducted when one asks for a CLI, not just on a routine, random basis.


They are done on intervals, but if someone knows they have just recently been "softed" meaning AR by them, they are likely to ask for a CLI then as well, since they were just checked up on.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | US Bank | Fifth Third Bank | FNBO
Valued Contributor
Posts: 1,059
Registered: ‎03-10-2015
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Re: NFCU AR ?

My credit report shows my last AR was in Feb I think
Previous Scores 02/29/2016: TU FICO: 752 | EQ FICO: 710 | EX FICO: 721
Curent Scores 03/27/2016: TU FICO: 754 | EQ FICO: 713 | EX FICO: 725
Lowes $35K | Walmart $25K | Stash Visa $25K | NFCU CashRewards $22K | NFCU LOC $15K | PenFed Visa $15K | |Total CL: $181,700
Headed to the garden: 10/2017

Frequent Contributor
Posts: 373
Registered: ‎02-07-2014
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Re: NFCU AR ?

Thanks, LadyM.  So the ARs are posted on credit reports.  How do they show on the credit reports please.  Just trying to learn as much as I can.

Valued Contributor
Posts: 1,059
Registered: ‎03-10-2015
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Re: NFCU AR ?

I recenlty did an online dispute with Equifax and it shows under the inquires catergory. 

 

It looks like this:

 

Exquifax

Previous Scores 02/29/2016: TU FICO: 752 | EQ FICO: 710 | EX FICO: 721
Curent Scores 03/27/2016: TU FICO: 754 | EQ FICO: 713 | EX FICO: 725
Lowes $35K | Walmart $25K | Stash Visa $25K | NFCU CashRewards $22K | NFCU LOC $15K | PenFed Visa $15K | |Total CL: $181,700
Headed to the garden: 10/2017

Community Leader
Senior Contributor
Posts: 5,591
Registered: ‎07-12-2012
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Re: NFCU AR ?

AR is account review. It will only show on a FULL report under your soft inquiries Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
735 EQ FICO 09/2017
744 TU FICO 09/2017
737 EX FICO 09/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Community Leader
Super Contributor
Posts: 14,196
Registered: ‎04-16-2014

Re: NFCU AR ?


Scupra wrote:

AR is account review. It will only show on a FULL report under your soft inquiries Smiley Happy


Getting a full report that shows them without a report with all kinds of useless info and fake ficos is the trick..  Only EQ and TU can you obtain the very generic reports for about 12/piece that show you SP's ..  Their normal reports won't show sp's so be careful which one you get..  Regarding EXP the only way to "truely" get who softed you is yourannualcreditreport.com or whatever it is... Although their are other ways of obtaining it, but probably isn't advised to be discussed on this forum

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | US Bank | Fifth Third Bank | FNBO
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Posts: 5,591
Registered: ‎07-12-2012
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Re: NFCU AR ?


CreditCuriousity wrote:

Scupra wrote:

AR is account review. It will only show on a FULL report under your soft inquiries Smiley Happy


Getting a full report that shows them without a report with all kinds of useless info and fake ficos is the trick..  Only EQ and TU can you obtain the very generic reports for about 12/piece that show you SP's ..  Their normal reports won't show sp's so be careful which one you get..  Regarding EXP the only way to "truely" get who softed you is yourannualcreditreport.com or whatever it is... Although their are other ways of obtaining it, but probably isn't advised to be discussed on this forum


haha, yes Smiley Wink Good thing NFCU AR's EQ

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
735 EQ FICO 09/2017
744 TU FICO 09/2017
737 EX FICO 09/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE

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