topic Re: NFCU CLOC - pulled Experian in Personal Finance

NFCU CLOC - pulled Experian

Anonymous — Sat, 11 Mar 2017 13:59:56 GMT

Wasn't sure if this was typical of them, I've only had them pull Equifax and TransUnion in the past, and also only read that.

It was just submitted maybe 15 minutes ago so no word yet, but just wanted to share the pull.

- C

Re: NFCU CLOC - pulled Experian

garagebandking — Sat, 11 Mar 2017 15:15:49 GMT

I'm also used to the EQ/TU pulls, but had EX pulled. My situation was a bit different, they pulled EX when I requested a CLI and had EQ/TU frozen.

Re: NFCU CLOC - pulled Experian

Anonymous — Sat, 11 Mar 2017 16:02:22 GMT

No freeze here, but I do have a card and also requested a CLI today and they pulled Tu for that. Maybe it's for spread? Still surprised they skipped EQ.

Re: NFCU CLOC - pulled Experian

Aduke1122 — Sat, 11 Mar 2017 19:24:04 GMT

I would like it know if this maybe something new , bc we are planning a cloc app later this mth and Lord knows they have pulled EQ and TU enough lol

Re: NFCU CLOC - pulled Experian

Anonymous — Sun, 12 Mar 2017 05:58:08 GMT

@Aduke1122 wrote:
I would like it know if this maybe something new , bc we are planning a cloc app later this mth and Lord knows they have pulled EQ and TU enough lol

I think so... when I've spoken to them in the past they told me they pulled TU/EQ exclusively, but that is obviously not the case anymore.

Re: NFCU CLOC - pulled Experian

Aduke1122 — Sun, 12 Mar 2017 06:30:29 GMT

Good to knw ..so did you get approved for it?

Re: NFCU CLOC - pulled Experian

Anonymous — Sun, 12 Mar 2017 14:31:22 GMT

@Aduke1122 wrote:
Good to knw ..so did you get approved for it?

Doesn't look like it, the apply for CLOC button is still there. Going to give them a call and see what's up. Denied. Looks like my CLI was denied as well. Failures all around lately. Really want to get my available credit up before I buy my house so I can do some work on it after.

Re: NFCU CLOC - pulled Experian

Aduke1122 — Sun, 12 Mar 2017 18:34:40 GMT

Sorry to hear that , I have had an awfully hard time with them , I am still sitting at my 500 SL on my CC , been almost 8 statements , I have tried everything I know and my profile and scores have improved drastically since approval ..idk what the deal it

Re: NFCU CLOC - pulled Experian

Anonymous — Sun, 12 Mar 2017 18:50:36 GMT

I am at 6 month with super heavy usage and frequent payments over $1000, moved my direct deposit over, too. Considering putting it back at USAA, maybe after I do a CLI request on my card with them.

Trying not to be bummed, but it's hard to get rejected.

Re: NFCU CLOC - pulled Experian

Aduke1122 — Mon, 13 Mar 2017 05:09:35 GMT

I know the feeling , I have tried 3 times and all 3 times been rejected, it's really makes me feel defeated , I used my CC with them very very heavy the first 5 mths also PIF , that didn't work so I thought I would slow down my usage and leave a small balance, that didn't work either , we are planning to app for the CLOC next week or so , I don't have much hope . As far as USAA goes I love them , I had a secured cc with them for 11 mths then they approved me for 2 unsecured products and I have my car loan with them .

Re: NFCU CLOC - pulled Experian

Anonymous — Mon, 13 Mar 2017 21:36:25 GMT

Sorry about the CLOC difficulty, I know you both have been trying hard (it shows! , and don't give up the ship.

In all the posts I have seen, it seems that usage matters very little with Navy Federal in terms of CLI's or new products. Not exactly sure why that is, but I haven't really yet seen a post from someone who stated that usage made a big difference.

I've also seen posts from people with 720 FICO who were denied, and people who received credit card but were denied for CLOC.

I do think that the credit scoring system Navy uses ( different from other lenders) may be influenced more by new accounts, inquiries, and maybe even negatives. It's not scientific, but just an impression I had from reading others' experiences.

Don't give up- I'd say to try again maybe when you have had your current cards for 9 months or 12 months.

Re: NFCU CLOC - pulled Experian

Aduke1122 — Mon, 13 Mar 2017 22:27:18 GMT

Thanks Humu , I am going to try again for a CLI when mine hits the 12 mth mark in July , I will try what me and you discussed also the next time . Hopefully something different will happen. I got my letter for the CLI decline today and the number one thing listed was too many Inquires and new accounts , followed by not enough experience with revolving credit limits . So maybe with some age they will grow to like me. I really wished I would have waited longer bc apping in the first place but it is what it is now. By the time my CC with them turns one year old , i will have several others to have aged past the one year mark too. Also wanted to mention they gave me their internal score of 293 out of 450. Not sure what they use to determine their internal scores but I'm sure you are right with the new accts and inquiries.