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NFCU CLI

Moderator Emerita

Re: NFCU CLI

They always pull EQ, Mo.


BungalowMo wrote:
Who did they pull??

 

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"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Message 11 of 24
Valued Member

Re: NFCU CLI

I have been an NFCU member since I was a baby ;-)  About 3 years ago I got a ".25% loan discount" coupon for my 25th anniversary of membership.  Bought a car with it.  NFCU couldn't give me "instant" credit even with my 796 score :-)  But that could because I have stopped soft inquiries, and I actually never saw a hard inquiry on my report.  I was trying to apply for a cash rewards card over the standard platinum I have now.f

 

BTW... who needs $50k in available credit??

Message 12 of 24
Senior Contributor

Re: NFCU CLI


boilerette wrote:

I have been an NFCU member since I was a baby ;-)  About 3 years ago I got a ".25% loan discount" coupon for my 25th anniversary of membership.  Bought a car with it.  NFCU couldn't give me "instant" credit even with my 796 score :-)  But that could because I have stopped soft inquiries, and I actually never saw a hard inquiry on my report.  I was trying to apply for a cash rewards card over the standard platinum I have now.f

 

BTW... who needs $50k in available credit??


 

Me!  Smiley Wink

 

It's like owning a Corvette with 500 hp.  You might not actually use its full potential, but it sure is fun to have and drive!

 

 

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 13 of 24
Moderator Emerita

Re: NFCU CLI


txjohn wrote:

boilerette wrote:

I have been an NFCU member since I was a baby ;-)  About 3 years ago I got a ".25% loan discount" coupon for my 25th anniversary of membership.  Bought a car with it.  NFCU couldn't give me "instant" credit even with my 796 score :-)  But that could because I have stopped soft inquiries, and I actually never saw a hard inquiry on my report.  I was trying to apply for a cash rewards card over the standard platinum I have now.f

 

BTW... who needs $50k in available credit??


 

Me!  Smiley Wink

 

It's like owning a Corvette with 500 hp.  You might not actually use its full potential, but it sure is fun to have and drive! 



And sometimes you need that power in the passing lane. Smiley Wink
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 14 of 24
Established Contributor

Re: NFCU CLI


boilerette wrote:

I have been an NFCU member since I was a baby ;-)  About 3 years ago I got a ".25% loan discount" coupon for my 25th anniversary of membership.  Bought a car with it.  NFCU couldn't give me "instant" credit even with my 796 score :-)  But that could because I have stopped soft inquiries, and I actually never saw a hard inquiry on my report.  I was trying to apply for a cash rewards card over the standard platinum I have now.f

 

BTW... who needs $50k in available credit??


How do you stop soft inquiries?  I thought that if you have a business relationship with a lender they could pull an AR anytime, even if your CR is locked.


Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


Take the FICO Fitness Challenge
Message 15 of 24
Senior Contributor

Re: NFCU CLI


Itsmeagain wrote:

boilerette wrote:

I have been an NFCU member since I was a baby ;-)  About 3 years ago I got a ".25% loan discount" coupon for my 25th anniversary of membership.  Bought a car with it.  NFCU couldn't give me "instant" credit even with my 796 score :-)  But that could because I have stopped soft inquiries, and I actually never saw a hard inquiry on my report.  I was trying to apply for a cash rewards card over the standard platinum I have now.f

 

BTW... who needs $50k in available credit??


How do you stop soft inquiries?  I thought that if you have a business relationship with a lender they could pull an AR anytime, even if your CR is locked.


They can pull.  You can't stop it.  Opting out only prevents you from receiving offers of credit under PROMO pulls.

 

Plus, soft pulls don't affect your credit profile, score or abililty to get credit.  So it is sort of an endeavor of little return.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 16 of 24
Established Contributor

Re: NFCU CLI

+1

Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


Take the FICO Fitness Challenge
Message 17 of 24
Senior Contributor

Re: NFCU CLI


LilMirth wrote:

They always pull EQ, Mo.


BungalowMo wrote:
Who did they pull??

 

DOH...ok....so I had a brain fart moment!!   Smiley Very Happy

 



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 18 of 24
New Contributor

Re: NFCU CLI

Well I am not in the big leagues with you all yet. I was scared to apply for a credit card. I have the NRewards Secred Visa from NFCU. Maybe when my scores are stronger I can get a unsecured card.

Starting Score: 478
Current Score: 650
Goal Score: 750+


Take the FICO Fitness Challenge
Message 19 of 24
Moderator Emerita

Re: NFCU CLI


LynnBushea wrote:

Well I am not in the big leagues with you all yet. I was scared to apply for a credit card. I have the NRewards Secred Visa from NFCU. Maybe when my scores are stronger I can get a unsecured card.

Wow, from your siggy, you've done a heck of a job already --478 to 602 ain't shabby!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 20 of 24