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NFCU AR

Valued Contributor

Re: NFCU AR

I submitted the button request for DH on 1/4 and he went from 1K SL to 17.5 K in seconds, it happened soooo quick. I didnt check to see when his last AR was. He had the card since August, very little usage, scores 680-702-697. BK still on record til July 17, N hard pull as of yet.

BK13 Filed 7/10-DC 8/15 // Fico 8's TU 763/ EQ 758/ EX 735 11/17// AAoA 5.8 years // Lines 11/2017= 240K // Inquiries 5 TU -11 Exp - 10 Eq. BK now off all all reports....WE CLOSED ON OUR HOUSE 6/7/2017 long hard road, but we made it !!!
Message 21 of 69
New Member

Re: NFCU AR

Had the AR on 1/3/17, so I went for it. Got the 24hr review message....checked today and went from 20K to 25K, but also got HP alert from myfico😞


Starting Score: 660s Average
Current Score: EQ 726 TU 761 EX 726
Goal Score: 800


Message 22 of 69
Frequent Contributor

Re: NFCU AR

Can someone please explain the AR to me? I'm a new a new NFCU member / card holder. I've seen a few references to AR but have no idea what it means. Thanks!!
Current FICO Scores as of 7/1/2017 EQ 735 TU 780 EX 725

NFCU CR $20,00 | USAA Rewards Visa Signature $12,000 | USAA Preferred Cash Rewards Visa Sig $10,000 | Walmart MC $10,000 | Wells Fargo Cash Wise $9,000 | Costco Anywhere Visa $8,500 | PenFed Rewards Visa Signature $6,000 | Chase SP $5,000 | Amazon Rewards Visa $3,000 | AMEX BCE $2,800 | Barclay Apple Rewards $960 | Capital One QS $3,750 | Discover IT $1,600 | Amazon $6,000 | J Crew $6,950 | Wayfair $3,600
Message 23 of 69
Frequent Contributor

Re: NFCU AR

Account Review.  Lenders do a soft pull on your credit to see how you are doing.

12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757
Message 24 of 69
Member

Re: NFCU AR

That's awesome SC!!!! Question for you, how long did you have your card before you "pulled the trigger?" Did you ask for the full $25k or did you ask for a specific amount? 

 

Ursula

Message 25 of 69
Frequent Contributor

Re: NFCU AR

I went from $500 to $22,000 this morning. I did the request on the 1st and went to review. I cancelled it right away before the HP was conducted. Noticed the AR wasn't conducted until the 3rd so I tried again and bam it went way up! Everyone should be good to try now since the AR was officially on the 3rd
Credit conscience!
Message 26 of 69
Member

Re: NFCU AR

Was this your 3rd AR? That's a GREAT increase!!!! Congrats!!!! I can't wait until I can get one. My initial cashrewards started at $3800. 

Message 27 of 69
Established Member

Re: NFCU AR

@ursulab2 Thank you! I don't know about how many AR I've had but I do know I've have 3 statements on it before requesting the CLI. I requested the max limit. It matched my flagship limit.
Message 28 of 69
Frequent Contributor

Re: NFCU AR

I've had the card for 14 months and never received a CLI on the card. I had 2 cards with both at $500 limits. One is new about 1 month old
Credit conscience!
Message 29 of 69
Frequent Contributor

Re: NFCU AR

I also just submitted my CLOC increase. Went from $1,000 to $15,000!! My day can't get any better!
Credit conscience!
Message 30 of 69