Re: NFCU score and initial credit line?

Aspireto850 · ‎08-12-2012

Cash rewards at initial 5k then immediately requested CLI to $7500 :: EQ 644ago opened 3 wks ago)

Line of credit at$5000

Current: 12/6/12 708 Exp Fico
Goal Score: 740then Garden

jdirilo · ‎08-27-2012

I just opened an acct with them and was approved for the nrewards visa for $500. My TU score on creditkarma shows 572, but TU website shows 613. They other scores are in. the mid 500's.

Middleswarth · ‎08-31-2011

10K - TU was 691, EQ was low (630ish). I commented on the app about EQ being an issue. They pulled TU and approved me.

Income is 80k

Starting Score: EQ 603 (12/18/2011), TU 621 (10/01/11)
Current Score (7/14/12): EQ 630, TU 691, EX 670 (bank pull)
Goal: 730+ by August 2014
Wallet: NFCU Visa (10k), USAA Secured MC (5k), American Airlines CC (2k), US Airways MC (1.5k), Discover More (1k), Macy's (600), Cap One (500), and Kohl's (400).
Garden planted. Working on the weeds.

beautybrainsbooty · ‎08-02-2012

@rooty

yes, I plan on it! as soon as my walmart cc payment hits, that should bring me to 0 uti...so a little score boost. So sometime next week. I want this as my third card!!!

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

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

Quizzle23 · ‎08-28-2012

Applied 8-30-12 for a joint account for Flagship Rewards Sig and we were approved for $17.5k. They pulled TU and mine was 747 and my joint's was most likely in the 760s I'm not 100% sure for her.

Starting Score: Aug 2012: TU 747, EX: 664, EQ: 649
Current Score: Aug 2012: TU 747, EX: 664, EQ: 649
Goal Score: ALL AT 750-800

Take the FICO Fitness Challenge

CUR Visa Platinum-3k, NFCU Visa Sig- 17.5k, BestBuy-1.5k
AFW- 3.2k, Express- 1.5k, Macys- 2k, Vickies-2k

calihlove75 · ‎05-16-2012

beautybrainsbooty wrote:
@rooty
yes, I plan on it! as soon as my walmart cc payment hits, that should bring me to 0 uti...so a little score boost. So sometime next week. I want this as my third card!!!

I always thought 0% utility resulted in a score decrease?

100% Ficos: EX 751, TU 731, Walmart TU fico 740, EQ 741
Inquiries last 2 years/1 year/6 months: EX-7/3/0, TU- 11/6/1, EQ-3/1/0~ app free since 11/23/12
Kohls $600~Amex BCE $2000~ Walmart Discover $6000~NFCU Signature CashRewards $9000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $450~ Amazon Store $7000~ Fingerhut $1350

rootpooty · ‎10-28-2011

beautybrainsbooty wrote:
@rooty
yes, I plan on it! as soon as my walmart cc payment hits, that should bring me to 0 uti...so a little score boost. So sometime next week. I want this as my third card!!!

do let us know the results!

rootpooty · ‎10-28-2011

calihlove75 wrote:
beautybrainsbooty wrote:
@rooty
yes, I plan on it! as soon as my walmart cc payment hits, that should bring me to 0 uti...so a little score boost. So sometime next week. I want this as my third card!!!
I always thought 0% utility resulted in a score decrease?

thats true and while the score comparision is ymmv but in the OP's case most instances where an app with nfcu is submitted and goes to review (3-5 day message) and a lender sees that I dont think it matters at all. If anything it should look better cause you are presenting yourself with zero debt

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Re: NFCU score and initial credit line?

Re: NFCU score and initial credit line?

Re: NFCU score and initial credit line?

Re: NFCU score and initial credit line?

Re: NFCU score and initial credit line?

Re: NFCU score and initial credit line?

Re: NFCU score and initial credit line?

Re: NFCU score and initial credit line?