@rbentley wrote:
IMHO (and pure speculation), no AR "account review" takes place anymore. There was a time when NFCU posted updated FICO scores every other month and people had moderate success getting SP (soft pull) CLI's at that time. Now they post updated scores monthly. No human is reviewing your account each month.
Pure speculation indeed. The purpose of an account review is to examine your recent credit history using an alternate credit bureau to gain insights into your credit, and forewarning of any negative events that may not yet appear on the primary credit bureau (TransUnion). In Navy's case, they pull your Equifax credit report on the last Tuesday of each even-numbered month and report the resulting score at the start of odd-numbered months. This has nothing to do with CLIs; the lender wants to obtain a better understanding of your creditworthiness by looking at another source of credit reports.
