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Regular Contributor
beautybrainsbooty
Posts: 206
Registered: ‎08-02-2012

NFCU LOC???

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‎10-05-2012 01:33 PM

how do you determine what line of credit you actually want for the NFCU LOC. I've been staring at the screen for about 20 minutes...like ummmm 500 or 5000???

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 674 > 689 >695 with my new TLs reporting :smileywink:
TU: 661>780
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=720 across the board--currently searching for the perfect *third* card to maximize my profile and score :smileywink:
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Regular Contributor
indecison
Posts: 226
Registered: ‎05-24-2012

Re: NFCU LOC???

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‎10-05-2012 01:41 PM

When I applied for mine I did not want to go for the full 15K because I thught I might feel like I was being greedy. I went for 10K instead. Just got off the phone with them and was approved. I have read that they will counter though if theey do not want to give you what your asking for.

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Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: NFCU LOC???

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‎10-05-2012 02:12 PM

I went for the full 20k with PSECU and was accepted. It's a shared CL between a LOC and a Visa. I figured if they didn't want to give that high, they would counter.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
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Regular Contributor
beautybrainsbooty
Posts: 206
Registered: ‎08-02-2012

Re: NFCU LOC???

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‎10-05-2012 02:19 PM

oh wow thank you so much! I went for 2000. Comfortable for me, low enough to pay off in a month if I have too and extra cushion for sure. Maybe they will give me higher than I ask for huh?? :smileywink:

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 674 > 689 >695 with my new TLs reporting :smileywink:
TU: 661>780
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=720 across the board--currently searching for the perfect *third* card to maximize my profile and score :smileywink:
Message 4 of 5 (331 Views)
 
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Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: NFCU LOC???

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‎10-05-2012 03:13 PM

With PSECU, just because you request it, does not mean you actually have to use it or all of it. I just went the full 20k to keep utilization down.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 5 of 5 (290 Views)
 
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