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Contributor
lphelps
Posts: 89
Registered: ‎06-29-2009

Navy Fed CLI SUCCESS

[ Edited ]

Just wanted to let everyone know that I requested and was granted a CLI of 10k to bring my total limit to 30k. Scores below. There was an EQ INQ to go along with it. That makes my 6th on EQ less on the others. One drops off in august. 

 

I was about 48% util on that card (only card with a balance) Paying it down at about 1k/mo and/or every spare cent I can get my hands on but I wanted to improve my overall score by reducing  util. and growing that account.

 

Thanks for listening

Message Edited by lphelps on 07-22-2009 04:26 PM
7/16/09 - EQ 684, TU 691

7/25/09 - EQ 682 (-2) 7th INQ did it.
8/21/09 - EQ 684 Bounced back from the Inq even though none expired. There was a new credit account opened on the same day. *shrug*
10/23/09 - EQ 691
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Navy Fed CLI SUCCESS

Nice! Great job!
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Navy Fed CLI SUCCESS

Congrats!

 

How long have you had the account?

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Contributor
lphelps
Posts: 89
Registered: ‎06-29-2009

Re: Navy Fed CLI SUCCESS

late 2006
7/16/09 - EQ 684, TU 691

7/25/09 - EQ 682 (-2) 7th INQ did it.
8/21/09 - EQ 684 Bounced back from the Inq even though none expired. There was a new credit account opened on the same day. *shrug*
10/23/09 - EQ 691
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007

Re: Navy Fed CLI SUCCESS

If you don't mind my asking, what's your income to secure a 30k NFCU CL?
Here we go again...
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Navy Fed CLI SUCCESS

From reading other posts, I have seen many people with modest incomes have large CL's based upon FICO/credit and history with NFCU moreso than income.  It seems that if you can prove responsible use and ability to manage, NFCU gives you much more freedom on CL's than most.

 

I hope that the general population of NFCU respects and honors this, I'd hate to see this ruined down the road because of increasing default rates, etc.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Contributor
lphelps
Posts: 89
Registered: ‎06-29-2009

Re: Navy Fed CLI SUCCESS

Yeah treat them right so they treat us right.

 

I'm sitting at low six figures right now.

 

I'm not sure what the relationship is between CL's and income because I feel like a CL of 30% of my income is insignificant.. 

 

Also Citi gave me a CL of 2k.. I called them and requested recon because 2k is worthless can't even balance xfer to that.. they claimed that my household income wasn't sufficient to justify the 5k I requested.. really?  really? lol /boggle

7/16/09 - EQ 684, TU 691

7/25/09 - EQ 682 (-2) 7th INQ did it.
8/21/09 - EQ 684 Bounced back from the Inq even though none expired. There was a new credit account opened on the same day. *shrug*
10/23/09 - EQ 691

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