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NFCU score and initial credit line?

New Contributor

Re: NFCU score and initial credit line?

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
Message 11 of 18
Frequent Contributor

Re: NFCU score and initial credit line?

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.
Message 12 of 18
Frequent Contributor

Re: NFCU score and initial credit line?

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

Message 13 of 18
Regular Contributor

Re: NFCU score and initial credit line?

@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!!! Smiley Wink

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Message 14 of 18
Member

Re: NFCU score and initial credit line?

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
Message 15 of 18
Established Contributor

Re: NFCU score and initial credit line?


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!!! Smiley Wink


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

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 16 of 18
Valued Contributor

Re: NFCU score and initial credit line?


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!!! Smiley Wink


do let us know the results!

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 17 of 18
Highlighted
Valued Contributor

Re: NFCU score and initial credit line?


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!!! Smiley Wink


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

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 18 of 18