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NFCU AR

Frequent Contributor

Re: NFCU AR


mrldp40 wrote:

any  truth that its now a experian AR ?


I just did a dispute for my EX and saw a SP from them on March 30.


NFCU cashRewards Signature Visa | NFCU goRewards Signature Visa | NFCU CLOC | Lowes
Cap 1 Quicksilver (2) | Sportsmans Guide Visa | Willliams Sonoma Visa | Discover it | DCU Platinum| Barclay Apple Rewards | Wells Fargo Store Card |


FICO 8 EQ 662 / TU 657 / EX 635 May 2017
EQ 673/TU 668/EX 651 June 2017


BK 7/2012 In the garden as of 7/7/17
Message 61 of 69
Super Contributor

Re: NFCU AR


prettylady wrote:

mrldp40 wrote:

any  truth that its now a experian AR ?


I just did a dispute for my EX and saw a SP from them on March 30.


Wow that's a switch. So now NFCU is using EX for its AR's.


FICO8 EQ 741 TU 783 EX 759 Total revolving limits 518600
Message 62 of 69
Valued Member

Re: NFCU AR

Would it be too late to ask for cli w/out a HP. Had my card since Oct.2016 and have yet to ask for cli
Message 63 of 69
Established Contributor

Re: NFCU AR


charmessence wrote:
Would it be too late to ask for cli w/out a HP. Had my card since Oct.2016 and have yet to ask for cli

There is actually no way to ask for this.  The credit computer at Navy soft-pulls you roughly every 60 days, this is the AR.   Then when/if you request a CLI, one of 2 things happen:

 

1. The computer approves you based on the most recent AR - the length of time since the AR is not relevant.  If the AR on May 1 put you in a place the computer could approve, then it will approve you, whether you apply on May 5, May 25, or even June 25.  If the computer approves you, there will be no hard pull.

 

2. If the computer is not able to approve you, it will refer you to an analyst for HP and manual review.

 

The moral of the story, is to *always* be prepared for a HP when you push that button.

Message 64 of 69
Valued Member

Re: NFCU AR

Thx! Just requested the 25k cli and was hit with the 24hr review. I immediately called customer service and had the cli cancelled. Now should I wait a certain amount of time to request another cli or immediately request one at a lower amount?
Message 65 of 69
Highlighted
Established Contributor

Re: NFCU AR

I would wait. Next AR should be around July 1...perhaps you will qualify then.
Message 66 of 69

Re: NFCU AR

With the CLI my limit is now $10,000 does this automatically become a visa signature? Does that make a significant difference?

Message 67 of 69
Established Contributor

Re: NFCU AR

With Navy it starts at 5k I think
fico 08 1/23//2018 tu 619 eq 627
ex 618 overstock src="http://ficoforums.
Message 68 of 69
Member

Re: NFCU AR

I’m aware that this thread has been quiet for sometime now, but I’m hoping to get some info. I’ve noticed that my last two AR’s have taken place on 24 Oct and 26 Dec 2017 on my EQ credit report. Should I expect my next one to take place sometime in February and is there anyway of knowing if the AR’s are both for their credit card and CLOC? I have both products and I’m thinkin about requesting a CLI for both.
Message 69 of 69