USB, two accounts: 10,000 and 17,300
NFCU, one account: 15,000
USB said they'd run EQ (742) have 2 checking accounts, once since 97 and one since 04.
No lates, 25% utilization on 42,520, oldest account 9yrs 11mon, average age of accounts 5 years, nothing bad except age could be longer, utilization could be less, I have 1 inq just over 6 months, one inquiry over 1 year, 1 new account just over six months, 1 closed new account over six months.
Doubled my CL using only two institutions. I passed on PenFed because of 25% utilization which is now 12.5% after all this updates lol. Hope this helps anyone looking for NFCU or USB. 
Karatz wrote:USB, two accounts: 10,000 and 17,300
NFCU, one account: 15,000
USB said they'd run EQ (742) have 2 checking accounts, once since 97 and one since 04.
No lates, 25% utilization on 42,520, oldest account 9yrs 11mon, average age of accounts 5 years, nothing bad except age could be longer, utilization could be less, I have 1 inq just over 6 months, one inquiry over 1 year, 1 new account just over six months, 1 closed new account over six months.
Doubled my CL using only two institutions. I passed on PenFed because of 25% utilization which is now 12.5% after all this updates lol. Hope this helps anyone looking for NFCU or USB.
Are the USB cards pre-selected/pre-approved offers? Did USB offer 2 separate credit card offers
illtakecreditforthat wrote:
Karatz wrote:USB, two accounts: 10,000 and 17,300
NFCU, one account: 15,000
USB said they'd run EQ (742) have 2 checking accounts, once since 97 and one since 04.
No lates, 25% utilization on 42,520, oldest account 9yrs 11mon, average age of accounts 5 years, nothing bad except age could be longer, utilization could be less, I have 1 inq just over 6 months, one inquiry over 1 year, 1 new account just over six months, 1 closed new account over six months.
Doubled my CL using only two institutions. I passed on PenFed because of 25% utilization which is now 12.5% after all this updates lol. Hope this helps anyone looking for NFCU or USB.
Are the USB cards pre-selected/pre-approved offers? Did USB offer 2 separate credit card offers
No. The USB cards were from walking in to the branch. I run a book business on amazon and half. I wanted two accounts so I could separate charges. It was a bit strange cause the higher limit one was the 2nd one approved.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
