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***Update - APPROVED!!!***It is decided ... NFCU CC App Saturday morning

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MamboItaliano
Frequent Contributor

***Update - APPROVED!!!***It is decided ... NFCU CC App Saturday morning

The DW and I are walking in Saturday morning.

 

She's going to be an AU to start so we can count her income and use HHI. 

 

With the current scores I am sitting on (see below) and our HHI (130k), does anyone want to venture a guess as to what it is going to be?

 

Also, do you have to specify what amount you want or can you just say "Whatever I can get"? 

Re-entered the garden on 9/16/2013.


Starting Score: (TU) 517 (EQ) 469 (EX) 519 (6/1/2010)
Current Score: (TU98) 714 (TU04) 712 (EQ Beacon 5.0) 672 (EX -FICO v2) 724 (6/13/13)
Goal Score: 700 Club for all 3 (2 out of 3 so far)


Take the FICO Fitness Challenge
Message 1 of 32
31 REPLIES 31
Neeko708
Established Member

Re: It is decided ... NFCU CC App Saturday morning

It all depends on what's in your file. 

I was just approved for the cashRewards last Friday w/ a $2500 CL. They pulled EQ for me. The scores in my signature are what was pulled when I apped.

As an example I have some lates on my mortgage with the oldest late being 8 months old, a CC with 58% util, and AAoA of 14 yrs.

 

Starting EQ 651 TU 662 EX 668 (EQ Pull 12/31/2011)
4/23/12 EQ 701 TU 712 EX 715
Goal Score: 750 then 800
Zync-NPSL, NFCU $2500, AFCU Visa $2000
Message 2 of 32
rootpooty
Valued Contributor

Re: It is decided ... NFCU CC App Saturday morning

What does your credit picture look like?
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 3 of 32
Adalen
Frequent Contributor

Re: It is decided ... NFCU CC App Saturday morning

I think we've determined that they're really off the wall, haha.

 

I app'ed on the 6th and was instantly approved (online) for a $7K cashRewards Visa.  My score is not great, my CR is very thin and most of it is paid charge offs.  I had one open (Barclaycard) Visa for $500 that is current but haven't app'ed for anything credit-related in five years.  Also, I've been a member of NFCU for 28 years, but don't know if that has anything to do with it but I was given a larger limit than some 700 scores here.

 

I'm sure they'll have no trouble getting a CLI, though.


Message 4 of 32
MamboItaliano
Frequent Contributor

Re: It is decided ... NFCU CC App Saturday morning

AAOA 3.9 years

 

9.9 oldest account

 

No lates since Feb. 2010 (worst was a 60, total of 2-30's and 2-60's)

 

21% util. 

 

1 paid med collection ($17 before being paid)

 

100k in student loans

 

10k in car payment

 

One charge off in 2007 that was paid.

 

Total of 4 CC's, 3 Student loans, 1 car loan. 

Re-entered the garden on 9/16/2013.


Starting Score: (TU) 517 (EQ) 469 (EX) 519 (6/1/2010)
Current Score: (TU98) 714 (TU04) 712 (EQ Beacon 5.0) 672 (EX -FICO v2) 724 (6/13/13)
Goal Score: 700 Club for all 3 (2 out of 3 so far)


Take the FICO Fitness Challenge
Message 5 of 32
rootpooty
Valued Contributor

Re: It is decided ... NFCU CC App Saturday morning

Well u should be approved but who knows on the limit.
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 6 of 32
pizzadude
Credit Mentor

Re: It is decided ... NFCU CC App Saturday morning

I don't think that you'll have any problem getting approved. The only question is what CL they will offer. They are usually generous so I'd wager that they'll probably give you at least $5K to start, possibly more.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 7 of 32
webhopper
Moderator Emeritus

Re: It is decided ... NFCU CC App Saturday morning


@MamboItaliano wrote:

The DW and I are walking in Saturday morning.

 

She's going to be an AU to start so we can count her income and use HHI. 

 

With the current scores I am sitting on (see below) and our HHI (130k), does anyone want to venture a guess as to what it is going to be?

 

Also, do you have to specify what amount you want or can you just say "Whatever I can get"? 



They are very generous... They may be able to refi your car for you at a better rate too, unless your car is already with them.  They saved me 3.5% on auto, and gave me a $250 dollar bonus for the refi into the sharesavings account.   My personal annual income was 121k when I applied. I sent them copies of my bank account statements, paychecks, W-2s, and retirement account statements when I did the refi on the truck. At that time the checking and savings accounts had combined 20k in it, and the retirement accounts had a combined 60k in them. I'm sure that had something to do with the limit I was granted >.< 

 

If you want them to consider you for a high limit, bring in your docs Smiley Tongue

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 8 of 32
kjm79
Valued Contributor

Re: It is decided ... NFCU CC App Saturday morning

My DH was approved for the CashRewards card with a $5k limit.  Member at the time for appox. 4 months.  Small DD from paycheck to checking and savings.  His EQ score at the time was between 650-660 ish.  He had two unpaid collections and 2 unpaid co's at the time.  This was in instant online app too.  No proof of income was requested. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 9 of 32
rootpooty
Valued Contributor

Re: It is decided ... NFCU CC App Saturday morning

Nfcu is simply one of the best
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 10 of 32
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