topic Re: NFCU CLI in Credit Card Approvals

NFCU CLI

Anonymous — Thu, 27 May 2021 21:24:14 GMT

Decided to join Navy on 2/22. Opened a checking and savings. Applied for Cash rewards right away and got $1k approval with 14.99%. Asked for recon for a higher line and was denied. Oh well.

I waited my 91 days as they suggested and on Monday I requested via the messaging to ensure it was a soft pull it. Just logged in and saw it was increased to $3k. I was expecting the $4k special, but hey I'll take it. F8 Scores are right at 700 across the board. F9 for EQ is 705, which is what I understand they use for CLI's.

I started my rebuild in Sept last year and so far scores have exceeded my goal. Before September I had zero open accounts and quite a few negatives on my reports. Now I've got my 5 revolvers ($12,400 total CL) and 2 installments (that I'll be paying down strategically). Going to be purchasing a home in July/Aug next year (waiting for derogatory to fall and accounts to age). I really wanted to app for the More Rewards but I'll just have to suck it up and wait until after home purchasing.

Re: NFCU CLI

AllZero — Thu, 27 May 2021 21:25:01 GMT

Congratulations on your CLI!

Re: NFCU CLI

gdale6 — Thu, 27 May 2021 21:42:30 GMT

Grats on the NFCU increase!!

Re: NFCU CLI

Irv02 — Thu, 27 May 2021 21:49:23 GMT

Congratulations on your CLI!!

Re: NFCU CLI

simplynoir — Thu, 27 May 2021 22:13:36 GMT

Congrats on your increase

Re: NFCU CLI

KingRue8500 — Thu, 27 May 2021 22:24:53 GMT

Congrats on your NFCU CLI

Re: NFCU CLI

Mr_Mojo_Risin — Thu, 27 May 2021 22:28:27 GMT

Congratulations on your CLI!

I've noticed that 500 - 1000 SL usually get the 3X CLI as long as the card was taken care of.

Your next CLI in 6 months has a greater chance of the max CLI they offer. Just something I've noticed over the last 16 months or so I've been on myFICO.

Cheers!

Re: NFCU CLI

CreditAggie — Thu, 27 May 2021 22:42:05 GMT

Congratulations on your NFCU CLI!

Re: NFCU CLI

GrandBay — Thu, 27 May 2021 23:05:42 GMT

@Anonymous I've noticed NFCU & Apple use F9

Re: NFCU CLI

M_Smart007 — Thu, 27 May 2021 23:10:49 GMT

Congratulations on your CLI !

Re: NFCU CLI

Anonymous — Thu, 27 May 2021 23:28:08 GMT

@Mr_Mojo_Risin

I definitely took care of the card. The only mistake I made was requesting a CLI while I had a balance on it. Who knows if that played a role anyway since I PIF each month. I'm happy with the CLI and can't wait for the next one in 6 months. I really want that More Rewards, but I shouldn't.

Re: NFCU CLI

Anonymous — Thu, 27 May 2021 23:30:45 GMT

@GrandBay wrote:
@Anonymous I've noticed NFCU & Apple use F9

@GrandBay

Yea. From what I understand, these 2 lenders in particular use F9.

NFCU uses internal scores along with profile for initial credit line approvals, but EQ9 for CLI's.

Apple uses TU9.

Re: NFCU CLI

babygirl1256 — Fri, 28 May 2021 01:58:39 GMT

Congrats on your NFCU CLI.

Re: NFCU CLI

Total80sKid — Fri, 28 May 2021 07:11:21 GMT

Congrats on your Navy CLI! 🎉

Re: NFCU CLI

Remi1 — Fri, 28 May 2021 22:28:21 GMT

@Anonymous wrote:
@GrandBay wrote:
@Anonymous I've noticed NFCU & Apple use F9
@GrandBay

Yea. From what I understand, these 2 lenders in particular use F9.

NFCU uses internal scores along with profile for initial credit line approvals, but EQ9 for CLI's.

Apple uses TU9.

Is there any way for us to access/find out what our internal score with Navy is? I thought I saw someone include theirs in a post on here before, but I might be mistaken.

Re: NFCU CLI

Anonymous — Fri, 28 May 2021 23:48:35 GMT

@Remi1

Yes, you can eMessage NFCU's CC dept and ask them what your internal score was when they last pulled your credit for a new application.

From my understanding, you are assigned an internal score when you apply for credit. That score doesn't update in their system until you apply for another credit line.

Regardless, I know for sure if you message them via the eMessage function on the app/site and request your score, they'll give it to you.

Re: NFCU CLI

Remi1 — Fri, 28 May 2021 23:56:59 GMT

@Anonymous wrote:
@Remi1

Yes, you can eMessage NFCU's CC dept and ask them what your internal score was when they last pulled your credit for a new application.

From my understanding, you are assigned an internal score when you apply for credit. That score doesn't update in their system until you apply for another credit line.

Regardless, I know for sure if you message them via the eMessage function on the app/site and request your score, they'll give it to you.

Fantastic, thanks! I tried poking around in my account to see if I could find it listed somewhere but wasn't seeing anything of that nature, so I wasn't sure.