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NFCU CLOC

Valued Member

NFCU CLOC

Approved yesterday for NFCU CLOC, $ 2,500.00. Surprised and grateful for the opportunity to build a credit relationship with NFCU.

 

Data points: 

 

CRA: Equifax

Score:  667 (fico 8) - I don't know if they used fico 8, but I'll edit if I can figure out which score they used.

Util:  57%

Inq:  13

The only negatives on my EQ are my 13 bankruptcy and 1 paid tax lien. The late student loans listed below were removed by EQ a little early.

 

In the garden since 8/25/17.
BK 13: filed 5/2012, successful and discharge 11/2014
Negatives: All 2012 or earlier - one paid tax lien, one 120 day late. Clean since.

American Express Delta Skymiles \\ Discover it \\ Quicksilver \\ Barclay Card Frontier WMC \\ Barclay Apple Rewards \\ Lowe's Advantage\\NFCU CLOC\\NFCU Platinum
Message 1 of 8
7 REPLIES
Regular Contributor

Re: NFCU CLOC

Congrats! When is your BK13 due to fall off? I got denied recently with an almost identical score, lower utilization and the same inquiry #. Reason stated was solely Bankruptcy. I did attempt a recon with a double negative. All my IIB accounts are still on my report too, so that's the difference.
PenFed Power Cash $5K, SMG $3.5K, PenFed Promise $2.5K, Total Rewards $1.5K, Discover It $800, Cap One QS1 $750, Overstock $10.1K
DC BK13 3/17
Message 2 of 8
Valued Member

Re: NFCU CLOC

The BK should fall off May 2019. My discharge was November 2014. 

In the garden since 8/25/17.
BK 13: filed 5/2012, successful and discharge 11/2014
Negatives: All 2012 or earlier - one paid tax lien, one 120 day late. Clean since.

American Express Delta Skymiles \\ Discover it \\ Quicksilver \\ Barclay Card Frontier WMC \\ Barclay Apple Rewards \\ Lowe's Advantage\\NFCU CLOC\\NFCU Platinum
Message 3 of 8
Valued Member

Re: NFCU CLOC

Update:

 

I promised to update my post with the CRA and score.

 

So, apparently NFCU is using some sort of proprietary scoring because I've never seen a scoring system that goes from 334 to 818. My score fell in at 686. It seems really odd, but I just looked at the letter to verify the range. 

 

And it was definitely Equifax.

In the garden since 8/25/17.
BK 13: filed 5/2012, successful and discharge 11/2014
Negatives: All 2012 or earlier - one paid tax lien, one 120 day late. Clean since.

American Express Delta Skymiles \\ Discover it \\ Quicksilver \\ Barclay Card Frontier WMC \\ Barclay Apple Rewards \\ Lowe's Advantage\\NFCU CLOC\\NFCU Platinum
Message 4 of 8
Established Contributor

Re: NFCU CLOC

That's a fico 05 eq score they use a custom score for credit cards 100-450 and fico 09 for personal loans


fico 11/01/01//2017 tu 634eq 631
ex 613overstock src="http://ficoforums.
Message 5 of 8
Established Member

Re: NFCU CLOC

How much did you ask for? I was approved for the full $15,000 with a ~650ish EQ with higher utilization than you. 6 month since last account late and one chargeoff at that time. Granted I was absolutely floored I got the full 15k and still am, just curious if you only asked for $2,500 or the full 15k.

NFCU Platinum $7,200
NFCU Cash Rewards $4,800
NFCU CLOC $15,000
AmEx PRG
AmEx Delta $1,400
Paypal 2% $2,500
CapOne QS $400
Message 6 of 8
Valued Member

Re: NFCU CLOC

So, yeah. I didn't ask for the full amount. I now know that I should have and they probably would have countered if they didn't want to give me the full amount. I've been treating them well and I'll eventually ask for a CLI. 

 

In the meantime though, I also got approved for a platinum card with a generous $10k limit. I was able to transfer a high interest balance to a 0% introductory offer. Very happy about that.

 

In the garden since 8/25/17.
BK 13: filed 5/2012, successful and discharge 11/2014
Negatives: All 2012 or earlier - one paid tax lien, one 120 day late. Clean since.

American Express Delta Skymiles \\ Discover it \\ Quicksilver \\ Barclay Card Frontier WMC \\ Barclay Apple Rewards \\ Lowe's Advantage\\NFCU CLOC\\NFCU Platinum
Message 7 of 8
Regular Contributor

Re: NFCU CLOC

NFCU uses Fico 9 for personal loans??

10/4/17 EQ-729 TU-751 EX-724 From $900 available credit to $99,200 in 9 months. It's been a fun ...
Message 8 of 8