Might Pull Trigger With NFCU..

[CivalV]

So my membership with NFCU is rather new. I applied for the Platinum and was denied due to lack of installment loans... I do not have any open installment loans. I do have 2 closed installment loans. I was also denied NFCU CLOC due to time of membership with NFCU which sucks lol 

When I was denied the Plat, NFCU automatically suggested going for their Secured card. I am thinking either I go for the Secured card just to run up my internal score OR open an SSL as another suggested to me. I am also considering an Auto loan to lease a Jeep. 

NFCU pulled my report 3 times between the Membership, Plat app and the CLOC. BUMMER  Thankfully I only had 1 inquiry TU & EX that count. EQ now has 2. I have been doing extremely well, in the sense of not credit seeking up until my NFCU plunge smh 

Any input/advice on next steps would be greatly appreciated! 

8YRS AOAA 

2YRS 4MOS AAOA

14 Accounts, 11 Open 

0 Installment, 2 Closed 

FICO 8 All 3 CBS Mid 600's

3YR Derog on 2 old accounts 

Overall UTL 50%

Overall Credit: $17,500 

Most Recent Account: Chase Marriott $5k SL, Opened Nov. 19'

Sole Gross Income: $75K

Household Income: $195K

No Collections, No Loans

[Anonymous]

Open an SSL/personal loan with them and do the early paydown technique?

Pay below 8.9% and you get max pts for installment utilization + credit mix

[Jnbmom]

Take the secured. If you profile hasn't changed since you applied their decision won't either .

Then you can start building relationship with them and will get better cards down the road 

[CivalV]

Will the amount of the SSL/Personal loan matter in regards to pts? 

[Anonymous]

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@CivalV wrote:

Will the amount of the SSL/Personal loan matter in regards to pts? 

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No