topic Re: NFCU CLI Denial in Credit Card Applications

NFCU CLI Denial

Anonymous — Mon, 28 Mar 2022 19:07:12 GMT

Good afternooon..

Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!

After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.

Should have done more research that CLI on NFCU is EQ vs TU.

Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"

Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)

TIA

JBH

Re: NFCU CLI Denial

GracieGrrl — Mon, 28 Mar 2022 20:35:25 GMT

@Anonymous wrote:
Good afternooon..

Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!

After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.

Should have done more research that CLI on NFCU is EQ vs TU.

Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"

Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)

TIA

JBH

Understanding everyone's history is different, I'll just share my personal experience. Also coming from a rebuild, I had a small limit on my first card with a score in the 670's. When my score broke 700, I applied for another card and was granted $20K. I don't know if waiting for a better score was necessary, but I don't think it hurt.

Re: NFCU CLI Denial

AverageJoesCredit — Mon, 28 Mar 2022 20:40:21 GMT

@Anonymous wrote:
Good afternooon..

Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!

After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.

Should have done more research that CLI on NFCU is EQ vs TU.

Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"

Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)

TIA

JBH

Honestly I don't think it really matters between bureaus when requesting cli, albeit sp, with Navy as normally your internal score probably plays a bigger role in determining one's cli availability, though no science to back this up lol. If you are eligible they will grant what they feel they can . If not, not end of the world, just try again next month. Sometimes persistence pays off.

Re: NFCU CLI Denial

FinStar — Mon, 28 Mar 2022 20:59:55 GMT

@AverageJoesCredit wrote:
@Anonymous wrote:
Good afternooon..

Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!

After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.

Should have done more research that CLI on NFCU is EQ vs TU.

Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"

Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)

TIA

JBH

Honestly I don't think it really matters between bureaus when requesting cli, albeit sp, with Navy as normally your internal score probably plays a bigger role in determining one's cli availability, though no science to back this up lol. If you are eligible they will grant what they feel they can . If not, not end of the world, just try again next month. Sometimes persistence pays off.

It does. Plenty of CLI denials have been reported where a CR [SP] made such a difference. Their algorithms take into consideration internal score, account performance + other factors.

In the OP's case, as noted upthread, it's possible they can be approved for another NFCU CC -- all things considered.

Re: NFCU CLI Denial

Duriel — Tue, 29 Mar 2022 21:53:33 GMT

@AverageJoesCredit wrote:
@Anonymous wrote:
Good afternooon..

Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!

After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.

Should have done more research that CLI on NFCU is EQ vs TU.

Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"

Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)

TIA

JBH

Honestly I don't think it really matters between bureaus when requesting cli, albeit sp, with Navy as normally your internal score probably plays a bigger role in determining one's cli availability, though no science to back this up lol. If you are eligible they will grant what they feel they can . If not, not end of the world, just try again next month. Sometimes persistence pays off.

I just got a copy of my internal score as I was approved for their platinum. 2 of the negative factors made sense. New accounts and inquiries. 2 did not. Lack of diverse real estate loans (?) and lack of direct deposit. My employer doesn't do direct deposit.

Re: NFCU CLI Denial

SUPERSQUID — Tue, 29 Mar 2022 22:25:57 GMT

@Duriel wrote:
@AverageJoesCredit wrote:
@Anonymous wrote:
Good afternooon..

Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!

After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.

Should have done more research that CLI on NFCU is EQ vs TU.

Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"

Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)

TIA

JBH

Honestly I don't think it really matters between bureaus when requesting cli, albeit sp, with Navy as normally your internal score probably plays a bigger role in determining one's cli availability, though no science to back this up lol. If you are eligible they will grant what they feel they can . If not, not end of the world, just try again next month. Sometimes persistence pays off.
I just got a copy of my internal score as I was approved for their platinum. 2 of the negative factors made sense. New accounts and inquiries. 2 did not. Lack of diverse real estate loans (?) and lack of direct deposit. My employer doesn't do direct deposit.

Would you mind sharing what your internal navy score number was?

Re: NFCU CLI Denial

AverageJoesCredit — Tue, 29 Mar 2022 22:30:18 GMT

@FinStar wrote:
@AverageJoesCredit wrote:
@Anonymous wrote:
Good afternooon..

Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!

After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.

Should have done more research that CLI on NFCU is EQ vs TU.

Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"

Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)

TIA

JBH

Honestly I don't think it really matters between bureaus when requesting cli, albeit sp, with Navy as normally your internal score probably plays a bigger role in determining one's cli availability, though no science to back this up lol. If you are eligible they will grant what they feel they can . If not, not end of the world, just try again next month. Sometimes persistence pays off.
It does. Plenty of CLI denials have been reported where a CR [SP] made such a difference. Their algorithms take into consideration internal score, account performance + other factors.

In the OP's case, as noted upthread, it's possible they can be approved for another NFCU CC -- all things considered.

Lol I stand corrected though I guess I was just trying to get across my feeling that sometimes just going for a cli, and not depending on all the data points or reasons that may or may not determine a denial or approval, is how one can go when dealing with Navy. Right or wrong that's how I go for cli with Navy and though I've been denied plenty I've also been approved when science, dps, and other factors obviously says should not my specific profile I should ever have achieved what I have so I place a lot in faith and winging it. Don't be like me