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Regular Contributor
Posts: 214
Registered: ‎08-02-2012
0

NFCU score and initial credit line?

about to pull the trigger and app for my NFCU CC.(OMG) I just wanted to get everyone's input on what there score was at app time and what CL they got with said score at initial approval??  thanks ya'll :smileywink:

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
Contributor
Posts: 116
Registered: ‎02-17-2011
0

Re: NFCU score and initial credit line?

638  Visa cash rewards 3k limit.Increased to 9.5k after 1 year at a 652.

NFCU cash rewards 10,000 -Chase Sapphire Preferred 6,900-Chase Slate 6,000- Amazon 10,000 - Walmart 10,000- lowes 12,000 - Kay jewelers 7,500 - Amex Zync NPSL - CarCare One 500
Frequent Contributor
Posts: 262
Registered: ‎03-07-2009
0

Re: NFCU score and initial credit line?

628 EQ, Visa NRewards @ $4k. Just was granted a credit limit increase to $5k with the score you see below.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


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Regular Contributor
Posts: 201
Registered: ‎08-19-2012
0

Re: NFCU score and initial credit line?

I believe income is a huge factor also...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: NFCU score and initial credit line?

Last year, my EQ FICO was between 650 and 675 when I apped w/Navy. They only gave me $2k, while others here with similar scores got much higher CLs. Navy told me that they use an algorithm to determine approval and CLs, so it's much more than your FICO that decided your CL. Also, they definitely give preference to people who bank with them as opposed to just getting a CC w/them.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: NFCU score and initial credit line?

Cash Rewards $5K with EQ 634 

Flagship Visa Signature $5K with EQ 676

 



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Frequent Contributor
Posts: 328
Registered: ‎01-26-2012
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Re: NFCU score and initial credit line?

I got 5k with 665 eq. wife 2k with 645eq. we just bough our home so our uti is high at this moment, but they didnt flinch.  my father 705 eq with no revolving debt history reporting, and no open installment debt 14k. so go figure. 

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: NFCU score and initial credit line?

are you going to app?

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
Established Contributor
Posts: 802
Registered: ‎05-16-2012
0

Re: NFCU score and initial credit line?


beautybrainsbooty wrote:

about to pull the trigger and app for my NFCU CC.(OMG) I just wanted to get everyone's input on what there score was at app time and what CL they got with said score at initial approval??  thanks ya'll :smileywink:


My TU was 743 but my EQ at the time was about 680 because I had an inaccurate collection.  I let NFCU know that I was currently disputing my EQ and that my TU was a more accurate picture. They pulled TU again after pulling EQ for my credit card app. I was approved for 9,000 with 10.65% apr. I think my AAOA was 2 years with about $50,000 in student loans (deferred) reporting. Income only 40,000 a year.

100% Ficos: EX 773 , TU 772, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
0

Re: NFCU score and initial credit line?

585 EQ 3k cashrewards and 2.5K navcheck

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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