topic Re: NASA FCU Million$ CL! in Credit Card Applications

NASA FCU Million$ CL!

stagefoursurvivor — Wed, 11 Mar 2015 00:29:46 GMT

Maybe a million dollar CL will get some responses

I was instantly approved for membership in Dec '14, slowly declined for a CC in Jan '15 for "limited credit experience and many INQs" based on an Ex score of 647 dated 12/09/14.

They've continued to do SPs monthly and Although the INQs are unchangeable my current score is 698 on ice.

Anyone know timeframes to re-apply? Anyone have experience being denied but, ultimately approved?

Any suggestion &/or wisdom appreciated.

Re: NASA FCU Million$ CL!

stagefoursurvivor — Wed, 11 Mar 2015 00:31:11 GMT

BumP

Re: NASA FCU Million$ CL!

Anonymous — Wed, 11 Mar 2015 00:33:22 GMT

@stagefoursurvivor wrote:
BumP

Re: NASA FCU Million$ CL!

Anonymous — Wed, 11 Mar 2015 00:35:40 GMT

@stagefoursurvivor wrote:
Maybe a million dollar CL will get some responses

I was instantly approved for membership in Dec '14, slowly declined for a CC in Jan '15 for "limited credit experience and many INQs" based on an Ex score of 647 dated 12/09/14.
They've continued to do SPs monthly and Although the INQs are unchangeable my current score is 698 on ice.
Anyone know timeframes to re-apply? Anyone have experience being denied but, ultimately approved?
Any suggestion &/or wisdom appreciated.

When I initially applied in November I was declined and then my scores went up considerably and I was instantly approved a month ago. Go ahead and try again. It will be a HP now.

Re: NASA FCU Million$ CL!

stagefoursurvivor — Wed, 11 Mar 2015 00:40:53 GMT

Would you mind sharing your scores when denied vs approved and SL?

A HP? I thought they were always a SP? Is HP=approval, SP=declined?

Looking at your scores now, you're in rarified air, I'm teetering around 700

Re: NASA FCU Million$ CL!

stagefoursurvivor — Wed, 11 Mar 2015 00:44:36 GMT

BTW, they have been softing Ex, not sure about Eq and I have no clue what my Eq08 may be. My Eq04 is 684 via DCU

Re: NASA FCU Million$ CL!

Anonymous — Wed, 11 Mar 2015 00:46:45 GMT

They on,y do SPs at initial application. After that it's an HP whether you're approved or not.

When I initially applied scores were in 670 range, approved they were right around 800

Re: NASA FCU Million$ CL!

stagefoursurvivor — Wed, 11 Mar 2015 00:50:49 GMT

670 to 800 in a couple months???

Who did you kill? Nevermind, I don't wanna know!

Re: NASA FCU Million$ CL!

Kenny — Wed, 11 Mar 2015 01:58:49 GMT

@stagefoursurvivor wrote:
670 to 800 in a couple months???
Who did you kill? Nevermind, I don't wanna know!

~~The power of an Amex backdate.~~ I stand corrected.

| | | | |

vvvvv

Re: NASA FCU Million$ CL!

Anonymous — Wed, 11 Mar 2015 00:57:26 GMT

@stagefoursurvivor wrote:
670 to 800 in a couple months???
Who did you kill? Nevermind, I don't wanna know!

Had tax lien and collection removed

Re: NASA FCU Million$ CL!

stagefoursurvivor — Wed, 11 Mar 2015 01:00:39 GMT

@Kenny wrote:
@stagefoursurvivor wrote:
670 to 800 in a couple months???
Who did you kill? Nevermind, I don't wanna know!
The power of an Amex backdate.

No way. I added 3 AmEces MSD 1984, at best it added 40 points

Re: NASA FCU Million$ CL!

Anonymous — Wed, 11 Mar 2015 01:04:29 GMT

@Kenny wrote:
@stagefoursurvivor wrote:
670 to 800 in a couple months???
Who did you kill? Nevermind, I don't wanna know!
The power of an Amex backdate.

That helped as well

Re: NASA FCU Million$ CL!

stagefoursurvivor — Wed, 11 Mar 2015 01:10:37 GMT

As much as I'd like to re-apply, it may be prudent to wait for multiple new TLs >$5K to report. I also checked Ex and they SP'd 12/09 & 2/3. Not sure about Eq.

I hope to join you in the 800 club by the end of the year

Re: NASA FCU Million$ CL!

Anonymous — Wed, 11 Mar 2015 01:11:00 GMT

@Kenny wrote:
@stagefoursurvivor wrote:
670 to 800 in a couple months???
Who did you kill? Nevermind, I don't wanna know!
The power of an Amex backdate.

This.

Re: NASA FCU Million$ CL!

Anonymous — Wed, 11 Mar 2015 01:15:49 GMT

Where are you located that nfcu is pulling experian? I just got approved the same day I joined for navcheck and cash rewards siggy. It cost me 3 inquiries, 2 with TU and the navcheck with EQ.

However, they reported to EX first.

Re: NASA FCU Million$ CL!

stagefoursurvivor — Wed, 11 Mar 2015 01:53:39 GMT

@Anonymous wrote:
Where are you located that nfcu is pulling experian? I just got approved the same day I joined for navcheck and cash rewards siggy. It cost me 3 inquiries, 2 with TU and the navcheck with EQ.

However, they reported to EX first.

Right church, wrong pew

NASA, not NFCU

Re: NASA FCU Million$ CL!

Kenny — Wed, 11 Mar 2015 02:01:05 GMT

@Anonymous wrote:
@Kenny wrote:
@stagefoursurvivor wrote:
670 to 800 in a couple months???
Who did you kill? Nevermind, I don't wanna know!
The power of an Amex backdate.
This.

Eh, I didn't have any knowledge of their tax lien or collection otherwise that would have made perfect sense. I'm sure the backdate didn't hurt though. lol

Nice job, Irish on getting the tax lien and collection removed -- and, of course, your great scores!

Edited to add that I'm sorry that I'm off topic!

Re: NASA FCU Million$ CL!

IMCUTE2 — Wed, 11 Mar 2015 06:12:53 GMT

Hi Stagefoursurvivor,

I was approved for NASA products last week. I became a member in October of 2014. I wasn't ready to apply for anything as I was getting my utilization down. That was a soft pull as you already know. When I applied for CC'S Feb. 24, 2015 it was a hard pull on EX the score NASA used to extend me credit is the mortgage score. For me this was 736 and they gave me 31K in credit over 2 cards my utilization is down to 1% I hope this helps.

Re: NASA FCU Million$ CL!

racer-x — Wed, 11 Mar 2015 09:02:51 GMT

@IMCUTE2 wrote:
Hi Stagefoursurvivor,

I was approved for NASA products last week. I became a member in October of 2014. I wasn't ready to apply for anything as I was getting my utilization down. That was a soft pull as you already know. When I applied for CC'S Feb. 24, 2015 it was a hard pull on EX the score NASA used to extend me credit is the mortgage score. For me this was 736 and they gave me 31K in credit over 2 cards my utilization is down to 1% I hope this helps.

What she said...

Membership in Nov, appd for cc immediately, denied. Scores, high 690's, low 700's. Can't remember the reason.

2 wks, app'd again, HP on EX, denied. They pulled a 686 EX which was my mortgage score on EX. Sucked because myFico EX 08 was 717 and the EX Bankcard 08 was 729.

Single Reason for denial: "Too many open revolving accounts and /or borrowing capacity". $150k+ available credit, $100k income.

I sent a recon letter via their 'emailbox' secure messaging on the 4th...haven't heard anything back yet.

Re: NASA FCU Million$ CL!

tallchick — Wed, 11 Mar 2015 13:39:56 GMT

I joined in December and applied for a CC in January , they pulled EX 728 and denied me for not enough time on current accounts.......hmmmmmmm okay, I will try again at the end of the year and see if I get any love. I only have a savings account with them.