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Frequent Contributor
Posts: 446
Registered: ‎06-21-2007

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 | Lowes
Cap 1 Quicksilver | Sportsmans Guide Visa | Willliams Sonoma Visa | Discover it | Barclay Apple Rewards


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


In the garden as of 5/2/17
Super Contributor
Posts: 5,751
Registered: ‎02-24-2015
0

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 780 TU 762 EX 784 FICO5 EQ 722 Total revolving 405500
Valued Member
Posts: 63
Registered: ‎09-09-2015
0

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
Established Contributor
Posts: 972
Registered: ‎04-14-2016

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.






BK7 Discharged 4/27/2016 - Fico 8 as of 05/18/2017: EX 655 / TU 660 / EQ 676 - Follow my Journey Here
Valued Member
Posts: 63
Registered: ‎09-09-2015
0

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?
Established Contributor
Posts: 972
Registered: ‎04-14-2016
0

Re: NFCU AR

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





BK7 Discharged 4/27/2016 - Fico 8 as of 05/18/2017: EX 655 / TU 660 / EQ 676 - Follow my Journey Here
Member
Posts: 9
Registered: ‎03-19-2017
0

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?

Frequent Contributor
Posts: 420
Registered: ‎03-07-2007
0

Re: NFCU AR

With Navy it starts at 5k I think
fico 08 as of june 19 2017 ex 579 tu 600 eq 568
navy fcu 1k cash rewards 375/1000 250 ssl bal 20
penfed 2 different oloc 500 each 300/500 0/500
credit one 0/450
mjc 0/5000
overstock.commenity 1229/2050
discover secured 180/300

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