Reply
Regular Contributor
Posts: 204
Registered: ‎12-20-2010
0

Re: NFCU - When to ask for CLI?

Youll be "softed" first and will  either be instantly approved, counter offered, or get the 5-7 day message..  If you get the 5-7 day message it means it has to be manually reviewed by underwriting and it will be a hard pull. 


Both CLi's ive requested have resulted in the 5-7 day message, I got  a hard pull and had to send in pay stubs, I was then approved for both increases by underwriting.  Im gonna wait till my credit is perfect before i app for another increase that way i can get one with just a soft pull and not have to waste a hard.


Starting Score: TU 608, Eq 618
Current Score: TU 782 Eq 780, Ex 789(psecu)
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

Re: NFCU - When to ask for CLI?


electra wrote:

You're welcome Les!  Smiley Happy  

 

So, did they do a HP or SP?

 

I'm scared to request it.  I still can't believe they gave me an unsecured card and even though my score is up 100-ish points since then (in only 2-ish months), I worry they will turn me down AND HP.   Working SO hard to try to get score up...don't want a ding for nothing.


Electra,

 

it was a SP with the online system.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

Re: NFCU - When to ask for CLI?


bichonmom wrote:

electra wrote:

You're welcome Les!  Smiley Happy  

 

So, did they do a HP or SP?

 

I'm scared to request it.  I still can't believe they gave me an unsecured card and even though my score is up 100-ish points since then (in only 2-ish months), I worry they will turn me down AND HP.   Working SO hard to try to get score up...don't want a ding for nothing.


I think the only way to ensure that it's only a SP is to have your CRs frozen. When you app for a CLI online, the line above the submit button authorizes them to check your credit and doesn't distinguish between hard or soft. IMO, if it's only been 2 months, the likelihood is they're going to do a HP.

 


I've only had my Cash rewards Visa for 2 months and it was a SP.  Of course everyone's mileage may vary, but it was definitely a SP for me.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Regular Contributor
Posts: 118
Registered: ‎12-09-2009
0

Re: NFCU - When to ask for CLI?

After reading this thread I requested an increase and received this:

                          A condition exists which prevents the processing of your request. For
assistance, contact Navy Federal toll free 1-888-842-6328, or when overseas use
1-703-255-8837 for collect international calls.                                                   What the $#^@ does "a condition exists" mean ?  Time to call .




TU 802 EQ 806
*USAA*PENFED*NFCU*AMEX*DISCOVER*CiTi*WALMART*BESTBUY*
Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

Re: NFCU - When to ask for CLI?

Konabill,

I don't know but please let us know what they say!  Do you have a freeze on your credit files maybe?



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Established Contributor
Posts: 553
Registered: ‎02-14-2012
0

Re: NFCU - When to ask for CLI?


konabill wrote:

After reading this thread I requested an increase and received this:

                          A condition exists which prevents the processing of your request. For
assistance, contact Navy Federal toll free 1-888-842-6328, or when overseas use
1-703-255-8837 for collect international calls.                                                   What the $#^@ does "a condition exists" mean ?  Time to call .


Not to worry. That just means there's some internal something going on (maybe system maintenance) which prevents the system from even considering your request. I got the same message when I attempted a cli. I went back about an hour later and tried again with success. I wouldn't worry.

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Highlighted
Valued Contributor
Posts: 1,405
Registered: ‎01-14-2009
0

Re: NFCU - When to ask for CLI?


adavis425 wrote:

konabill wrote:

After reading this thread I requested an increase and received this:

                          A condition exists which prevents the processing of your request. For
assistance, contact Navy Federal toll free 1-888-842-6328, or when overseas use
1-703-255-8837 for collect international calls.                                                   What the $#^@ does "a condition exists" mean ?  Time to call .


Not to worry. That just means there's some internal something going on (maybe system maintenance) which prevents the system from even considering your request. I got the same message when I attempted a cli. I went back about an hour later and tried again with success. I wouldn't worry.


+1  Also, sometimes when you click on "My Offers", it says "Your information is temporarily unavailable, please try again later."

New Visitor
Posts: 1
Registered: ‎05-23-2014
0

Re: NFCU - When to ask for CLI?

So I just got off the phone from NFCU because I also receoved the "A condition exists..." 

 

They confirmed it was just an error with the system.. HOWEVER, they said all credit limit creases performed will be a hard pull. I had the rep check with a product manager and he confirmed that regardless of the instant approval or "3-5 day" message, every request results in a hard pull.

 

Maybe they are misinformed but it seems like if it's instant approval then it wouldn't be a HP. Thoughts?

Established Member
Posts: 37
Registered: ‎05-22-2014
0

Re: NFCU - When to ask for CLI?

I got the same message that prevents you from being considered for an increase. I am sure it was a system error. I was approved for 4000 and 1000 for 2 of their cards and i wanted to see if they will increase the 1000 to match the 4000 but i got the error. Not sure if i will request it again now but i will wait in 6 months. just saying


Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.