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NFCU

Frequent Contributor

NFCU

How long did it take for your approved NFCU cc to report on your credit report? Did it impact it significantly?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 1 of 15
14 REPLIES
Frequent Contributor

Re: NFCU

Mine was about 1 week on EQ. As far as the others I dont know. My score went up a click due to UTI....YMMV

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.




Message 2 of 15
Senior Contributor

Re: NFCU

Theydidn't report for several weeks for me. I was approved at beginning of Nov and it didn't start reporting till the end of themonth. However, they report monthly like clockwork a day after the stmt date. 

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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!

Message 3 of 15
Frequent Contributor

Re: NFCU


bichonmom wrote:

Theydidn't report for several weeks for me. I was approved at beginning of Nov and it didn't start reporting till the end of themonth. However, they report monthly like clockwork a day after the stmt date. 


Thanks bbb and bichonmom....trying to gauge if my score will increase or go down a few points

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 4 of 15
Super Contributor

Re: NFCU

Took about 2 weeks to report on EX and EQ. TU took about 4 weeks to show up




Message 5 of 15
Senior Contributor

Re: NFCU

Impossible to predict. If you're tracking our AAOA, that might give you an idea. If a new acct drops your AAOA to a lower year - like from 4 yrs to 3 yrs, then a FICO drop islikely. But even without the aaoa drop, your FICO can still drop from a new acct. Some of my new accts have had drops and some haven't. I haven't recognized any pattern at this point, besides the AAOA factor. 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Message 6 of 15
Frequent Contributor

Re: NFCU

Tracking! I well just wait it out! Thought I could gather some type of rhyme or reason but Ill leave that to the FICO warlords!

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 7 of 15
Established Contributor

Re: NFCU


AvaMommy wrote:

How long did it take for your approved NFCU cc to report on your credit report? Did it impact it significantly?


Mine reported after they cut the first statement which was 2-3 weeks. You can message them and ask them your statement date..I did.  I don't recall a significant drop in score but I know there was not a gain either. The Walmart card I was approved for a few days ago reported already and I took a 9 point loss.

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 8 of 15
New Contributor

Re: NFCU

I was approved on 8/30, got my card on 9/7 and it hit my reports on 9/13.  It also showed as a good tradeline for the month of Auguest which I did not expect.

Experian - 728 | Transunion - 708 | Equifax - 701

NFCU cRewards - $22,000 | NCFU MC - $22,000 | Lowes - $10,000 | DCU Plat Visa - $7,500 | Navcheck - $7,500 | Chase Freedom - $6,000 | Ashley Furniture - $4,800 | Discover IT - $4,500 | Amex BCP - $1,000 | Cap1 QS - $850 | Cap 1 Plat - $700
Message 9 of 15
New Contributor

Re: NFCU

To answer your second question, I saw a bump of about 12-15 points due primarily to improved utilization.

Experian - 728 | Transunion - 708 | Equifax - 701

NFCU cRewards - $22,000 | NCFU MC - $22,000 | Lowes - $10,000 | DCU Plat Visa - $7,500 | Navcheck - $7,500 | Chase Freedom - $6,000 | Ashley Furniture - $4,800 | Discover IT - $4,500 | Amex BCP - $1,000 | Cap1 QS - $850 | Cap 1 Plat - $700
Message 10 of 15