NASAFCU question, HP or SP after membership?

[wacdenney]

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@racer-x wrote:

Got my denial letter today....."Excessive/Open Revolving accounts and/or borrowing capacity"

18 CC's at around $150K in CL's....Income $100k.

They also put my EX at 678 with a score range of 320 to 844?  What model is that?

The score on the date that they pulled matches myFICO EX Fico Score 2 - 678.  Fico says it is the previous version used for mortgage lending.  It's whatev I guess.

I app'd because my EX Fico 08 was 711, and even better was my EX bankcard at 723...I was counting on those scores to be used.

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Wow, I got my letter today and I wonder if it was a copy and paste.  It said the EXACT same thing as yours down to the exact same score.  They must think available credit = debt I guess.  It doesn't make any sense.  Yes I have several accounts and YES most of them have a 0 balance.  My util is at 2% for cryin out loud. 

Oh well, joining NASA was a COMPLETE waste of time for me.  I'm never not going to have multiple accounts and I'm never not going to keep my util low so I guess it's goodbye NASA for me.  If I would have know it wasn't a SP for the second app I never would have even tried it in the first place.  I think I'll close my share account tomorrow.

[Habibimo]

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@wacdenney wrote:

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@racer-x wrote:

Got my denial letter today....."Excessive/Open Revolving accounts and/or borrowing capacity"

18 CC's at around $150K in CL's....Income $100k.

They also put my EX at 678 with a score range of 320 to 844?  What model is that?

The score on the date that they pulled matches myFICO EX Fico Score 2 - 678.  Fico says it is the previous version used for mortgage lending.  It's whatev I guess.

I app'd because my EX Fico 08 was 711, and even better was my EX bankcard at 723...I was counting on those scores to be used.

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Wow, I got my letter today and I wonder if it was a copy and paste.  It said the EXACT same thing as yours down to the exact same score.  They must think available credit = debt I guess.  It doesn't make any sense.  Yes I have several accounts and YES most of them have a 0 balance.  My util is at 2% for cryin out loud. 

Oh well, joining NASA was a COMPLETE waste of time for me.  I'm never not going to have multiple accounts and I'm never not going to keep my util low so I guess it's goodbye NASA for me.  If I would have know it wasn't a SP for the second app I never would have even tried it in the first place.  I think I'll close my share account tomorrow.

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I haven't received my card yet, But once I do, I will deff. give an update here. At the time of approval, my UTL was 31%, 3 New accounts were not even reported yet. Have no idea about my scores, hoefully they will let me know in the letter, but I think I'm somewhere from 690 - 710.

[Anonymous]

I'll end up closing my share account with them as well since I got declined also,

[racer-x]

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@Anonymous wrote:
I'll end up closing my share account with them as well since I got declined also,

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I hear ya.  I"ve got a smidgin of hope that my recon letter might work if they do a manual review.

If not, oh well.  Maybe in 6 mos or a year I may decide to try again, at least i wont have to go through the membership process again.

[Anonymous]

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@racer-x wrote:

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@Anonymous wrote:
I'll end up closing my share account with them as well since I got declined also,

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I hear ya.  I"ve got a smidgin of hope that my recon letter might work if they do a manual review.

If not, oh well.  Maybe in 6 mos or a year I may decide to try again, at least i wont have to go through the membership process again.

I may try to recon them but I haven't decided if it's worth a possible HP, might just save it for the next CU flavor of the month.

[racer-x]

I specifically stated in my recon letter that i did not want and do not agree to another hp inquiry.

The msg center i daid i would hear back from them in a day. That day being today. They better hurry on up. Lol