@Anonymous wrote:Good afternooon..
Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!
After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.
Should have done more research that CLI on NFCU is EQ vs TU.
Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"
Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)
TIA
JBH
Honestly I don't think it really matters between bureaus when requesting cli, albeit sp, with Navy as normally your internal score probably plays a bigger role in determining one's cli availability, though no science to back this up lol. If you are eligible they will grant what they feel they can . If not, not end of the world, just try again next month
. Sometimes persistence pays off
.
@AverageJoesCredit wrote:
@Anonymous wrote:Good afternooon..
Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!
After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.
Should have done more research that CLI on NFCU is EQ vs TU.
Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"
Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)
TIA
JBH
Honestly I don't think it really matters between bureaus when requesting cli, albeit sp, with Navy as normally your internal score probably plays a bigger role in determining one's cli availability, though no science to back this up lol. If you are eligible they will grant what they feel they can . If not, not end of the world, just try again next month
It does. Plenty of CLI denials have been reported where a CR [SP] made such a difference. Their algorithms take into consideration internal score, account performance + other factors.
In the OP's case, as noted upthread, it's possible they can be approved for another NFCU CC -- all things considered.
@AverageJoesCredit wrote:
@Anonymous wrote:Good afternooon..
Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!
After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.
Should have done more research that CLI on NFCU is EQ vs TU.
Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"
Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)
TIA
JBH
Honestly I don't think it really matters between bureaus when requesting cli, albeit sp, with Navy as normally your internal score probably plays a bigger role in determining one's cli availability, though no science to back this up lol. If you are eligible they will grant what they feel they can . If not, not end of the world, just try again next month
I just got a copy of my internal score as I was approved for their platinum. 2 of the negative factors made sense. New accounts and inquiries. 2 did not. Lack of diverse real estate loans (?) and lack of direct deposit. My employer doesn't do direct deposit.
@Duriel wrote:
@AverageJoesCredit wrote:
@Anonymous wrote:Good afternooon..
Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!
After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.
Should have done more research that CLI on NFCU is EQ vs TU.
Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"
Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)
TIA
JBH
Honestly I don't think it really matters between bureaus when requesting cli, albeit sp, with Navy as normally your internal score probably plays a bigger role in determining one's cli availability, though no science to back this up lol. If you are eligible they will grant what they feel they can . If not, not end of the world, just try again next month
I just got a copy of my internal score as I was approved for their platinum. 2 of the negative factors made sense. New accounts and inquiries. 2 did not. Lack of diverse real estate loans (?) and lack of direct deposit. My employer doesn't do direct deposit.
Would you mind sharing what your internal navy score number was?
@FinStar wrote:
@AverageJoesCredit wrote:
@Anonymous wrote:Good afternooon..
Just wanted to share my experience. Have been in a rebuild over the past 2 years. Have raised my TU scores from the high 400's to over 677 with EE. Have a couple more to go that will fall off by October with EX and EQ. Yay!
After seeing my TU score shoot up, I felt confident enough to press the Love Button on the NFCU app. Received the 24 hour message. Found out today I was declined.
Should have done more research that CLI on NFCU is EQ vs TU.
Not sure if I should apply for a new card with NFCU, hoping that they use TU or just go back to the "Garden"
Wanting to add another card to my portfolio. Any suggestions appreciated. (Only have 1 hard pull in 12 months.)
TIA
JBH
Honestly I don't think it really matters between bureaus when requesting cli, albeit sp, with Navy as normally your internal score probably plays a bigger role in determining one's cli availability, though no science to back this up lol. If you are eligible they will grant what they feel they can . If not, not end of the world, just try again next month
It does. Plenty of CLI denials have been reported where a CR [SP] made such a difference. Their algorithms take into consideration internal score, account performance + other factors.
In the OP's case, as noted upthread, it's possible they can be approved for another NFCU CC -- all things considered.
Lol I stand corrected though I guess I was just trying to get across my feeling that sometimes just going for a cli, and not depending on all the data points or reasons that may or may not determine a denial or approval, is how one can go when dealing with Navy. Right or wrong that's how I go for cli with Navy and though I've been denied plenty I've also been approved when science, dps, and other factors obviously says should not my specific profile I should ever have achieved what I have so I place a lot in faith and winging it. Don't be like me