@CreditInspired wrote:
@aesl1982 wrote:
So here is the scenario, i want to app for a NFCU card. i was denied last couple months, however score has went up over 100 points since last denial. me and my wife both have accounts there and we have a joint account. our individual accounts dont see hardly any money flowing through them yet, but our joint account has direct deposits going into it. should we app seperatly to try to "double dip" the nfcu cards. or just apply jointly off our joint account?
Congratulations on the humongous score increase! What was the cause and are they FICO scores?
Thanks
Yes they are fico scores. Mainly i had a ton of stuff come off my report. and then i disputed inquires and they dropped from 28-4. then i paid the exisiting cards im an AU on down to 3 percent each. and then bam wife at 681 im at 670 on experian. waiting on transunion and equifax to update reports to new util.
Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
