topic Re: NFCU SSL Approval in Personal Finance

NFCU SSL Approval

CivalV — Tue, 28 Apr 2020 14:06:09 GMT

I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol

Re: NFCU SSL Approval

EverForward — Tue, 28 Apr 2020 14:16:40 GMT

Congratulations on your approval!!

Re: NFCU SSL Approval

Anonymous — Tue, 28 Apr 2020 14:33:16 GMT

Congrats on the approval. I wonder if NFCU changed their policy because I always thought it was a SP for a SSL.

Re: NFCU SSL Approval

CivalV — Tue, 28 Apr 2020 14:37:57 GMT

Thank you!! I am praying I see a score boost when I pay it down to 8.9%, since I did not have any open installment loans on my report

Re: NFCU SSL Approval

CivalV — Tue, 28 Apr 2020 14:39:07 GMT

@Anonymous I guess I was a test dummy lol 😩 NFCU pulled my report 5 times within 2 months omg ☹️

Re: NFCU SSL Approval

M_Smart007 — Tue, 28 Apr 2020 14:46:59 GMT

@CivalV wrote:
I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol

Are you 100% sure, that the TU HP was not for this?

https://ficoforums.myfico.com/t5/Credit-Cards/Are-the-Navy-Federal-Prequalify-recommendations-Accurate/m-p/6001188#M1717172

Re: NFCU SSL Approval

CivalV — Tue, 28 Apr 2020 14:50:44 GMT

@M_Smart007 wrote:
@CivalV wrote:
I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol
Are you 100% sure, that the TU HP was not for this?

https://ficoforums.myfico.com/t5/Credit-Cards/Are-the-Navy-Federal-Prequalify-recommendations-Accurate/m-p/6001188#M1717172

Yeah my TU report was pulled as soon as I was approved for my CC on the 27th and another HP today. Are there any sites you can recommend that will pull my reports for free or for cheap? I feel like I need to go over my reports but myfico subscription is paused.

Re: NFCU SSL Approval

AllZero — Tue, 28 Apr 2020 15:27:07 GMT

@CivalV wrote:
I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol

Congratulations on your SSL!

If you did receive a HP for the SSL, try calling back and ask if they can recode to soft pull inquiry. The majority of reports opening a SSL did not incur a hard pull.

Re: NFCU SSL Approval

AllZero — Tue, 28 Apr 2020 15:36:02 GMT

@CivalV wrote:
@M_Smart007 wrote:
@CivalV wrote:
I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol
Are you 100% sure, that the TU HP was not for this?

https://ficoforums.myfico.com/t5/Credit-Cards/Are-the-Navy-Federal-Prequalify-recommendations-Accurate/m-p/6001188#M1717172
Yeah my TU report was pulled as soon as I was approved for my CC on the 27th and another HP today. Are there any sites you can recommend that will pull my reports for free or for cheap? I feel like I need to go over my reports but myfico subscription is paused.

$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian.com or creditchecktotal.com. Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

Free credit reports (disregard the VantageScore 3.0 score) at:
creditkarma.com for weekly TU and EQ
wallethub.com for daily TU

Re: NFCU SSL Approval

M_Smart007 — Tue, 28 Apr 2020 15:42:57 GMT

@CivalV wrote:
@M_Smart007 wrote:
@CivalV wrote:
I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol
Are you 100% sure, that the TU HP was not for this?

https://ficoforums.myfico.com/t5/Credit-Cards/Are-the-Navy-Federal-Prequalify-recommendations-Accurate/m-p/6001188#M1717172

Yeah my TU report was pulled as soon as I was approved for my CC on the 27th and another HP today. Are there any sites you can recommend that will pull my reports for free or for cheap? I feel like I need to go over my reports but myfico subscription is paused.

@CivalV Free credit reports are now available for everyone, every week

Big three credit reporting agencies switch from one free report per year.

Very detailed info, good to check things out. just no score.

https://www.housingwire.com/articles/free-credit-reports-are-now-available-for-everyone-every-week/

Re: NFCU SSL Approval

M_Smart007 — Tue, 28 Apr 2020 15:45:42 GMT

@AllZero wrote:
@CivalV wrote:
@M_Smart007 wrote:
@CivalV wrote:
I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol
Are you 100% sure, that the TU HP was not for this?

https://ficoforums.myfico.com/t5/Credit-Cards/Are-the-Navy-Federal-Prequalify-recommendations-Accurate/m-p/6001188#M1717172
Yeah my TU report was pulled as soon as I was approved for my CC on the 27th and another HP today. Are there any sites you can recommend that will pull my reports for free or for cheap? I feel like I need to go over my reports but myfico subscription is paused.
$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian.com or creditchecktotal.com. Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

Free credit reports (disregard the VantageScore 3.0 score) at:
creditkarma.com for weekly TU and EQ
wallethub.com for daily TU

The problem with CK and WH is the info is not always correct.

Sometimes it is best to go straight to the source, rather than "Heard it through the grapevine"

Re: NFCU SSL Approval

AllZero — Tue, 28 Apr 2020 16:28:43 GMT

@M_Smart007 wrote:
@AllZero wrote:
@CivalV wrote:
@M_Smart007 wrote:
@CivalV wrote:
I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol
Are you 100% sure, that the TU HP was not for this?

https://ficoforums.myfico.com/t5/Credit-Cards/Are-the-Navy-Federal-Prequalify-recommendations-Accurate/m-p/6001188#M1717172
Yeah my TU report was pulled as soon as I was approved for my CC on the 27th and another HP today. Are there any sites you can recommend that will pull my reports for free or for cheap? I feel like I need to go over my reports but myfico subscription is paused.
$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian.com or creditchecktotal.com. Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

Free credit reports (disregard the VantageScore 3.0 score) at:
creditkarma.com for weekly TU and EQ
wallethub.com for daily TU
The problem with CK and WH is the info is not always correct.
Sometimes it is best to go straight to the source, rather than "Heard it through the grapevine"

Thank you for providing the link. I was hoping you would do so. I need to update my macro.

Re: NFCU SSL Approval

M_Smart007 — Tue, 28 Apr 2020 22:36:50 GMT

You're welcome

Re: NFCU SSL Approval

CivalV — Wed, 29 Apr 2020 13:52:40 GMT

I pulled my report and I am only seeing 4 HPs from NFCU. On my TU report I see, 1 for membership, 1 for the CC app, another for the secured card. On EQ I see 1 for the CLOC. So I only got HP'd 3 times on TU and 1 time on EQ. I feel much better now. Prior to Navy I only had 1 inquiry on TU & EX, none on EQ.

Re: NFCU SSL Approval

AllZero — Wed, 29 Apr 2020 14:55:51 GMT

^ Glad you were able to confirm on the reports

Re: NFCU SSL Approval

CivalV — Wed, 29 Apr 2020 17:20:08 GMT

I felt wayyy better overall viewing my CRBs. My SSL finally showed up on my NFCU account so I paid it down to 8.9%. The $275 left over is available for use. I am wondering if the loan will hit my report at paid down to 8.9% first or if it will report as 100% UTL since it is new? If anyone could chime in, I would really appreciate it.

Re: NFCU SSL Approval

Anonymous — Wed, 29 Apr 2020 18:33:19 GMT

It can honestly go either way. When mine was approved last year I got hit with 100% utilization - I was checking around every half hour to see if I could pay it off yet and I paid it as soon as it showed up. Next day got the 100% alert. Wasn't really a big deal though.

FWIW, most people seem to be able to pay it down before it reports. I know of one other person that got it reported at 100% despite paying it down as soon as it showed up online.

Re: NFCU SSL Approval

CivalV — Wed, 29 Apr 2020 19:56:50 GMT

I am still waiting for my report to update with the loan showing. It would be awesome for it to show 8.9% UTL lol

Re: NFCU SSL Approval

M_Smart007 — Wed, 29 Apr 2020 20:12:46 GMT

@CivalV wrote:
I am still waiting for my report to update with the loan showing. It would be awesome for it to show 8.9% UTL lol

Knowing Navy, It should report at the end of the month. At least mine did.

Re: NFCU SSL Approval

CivalV — Wed, 29 Apr 2020 23:10:55 GMT

Wait April 30th? Or the end of May? 😩👀😱