NFCU Foolishness (And Amex too!!)

[Anonymous]

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@Anonymous wrote:

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@jimbo79 wrote:

Im in CA and they used TU for my pull. Here is my snapshot:

TU Fico: 679

AAOA 6mo

9 Inquires

7 Accounts in good standing

1 collection (7 month old paid collection)

2 public records (tax liens released)

Oldest Open Account 11mo.

Jimbo 

Was that your SL with Navy? I swear everyone has a better limit with them but me. I stand by my idea that if you don't direct deposit with them, they give you no love. They even declined my LOC without a cosigner. I HAVE PERFECT CREDIT lol!! Craziness 

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I don't have direct deposit and I haven't had any problems with them.

[Anonymous]

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@jimbo79 wrote:

based on what you've pointed out, Id season that credit file a bit longer and get those scores from the 625-660 to 660-680ish. I also wasnt getting any love when i was at your score range with both NFCU and AMEX got denied several times with Amex until my Ex score got above 650 and with NFCU above 660. Hope this helps.

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That's exactly what I'm gonna do. To the garden I go (insert pouty face) kickin & screaming like a 2 year old. Thanks for that tip. It's nice to know they have treated others the same. Nice SL...they only gave me half of that.

[jimbo79]

Your Welcome, Keep me posted when the time comes.

[Anonymous]

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@CreditCuriousity wrote:

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@jimbo79 wrote:

Whats does your credit snapshot look like with TU and Experian? I know NFCU uses TU  and of course as you mentioned EX for AMEX.

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Thought NFCU used Eq??  Just from reading other threads?

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For the CC it was EQ for me.

[Creditaddict]

yes send a secure message asking them to move CL from your current card to open the 2nd card, I would probably move a full $7500 from current card to open 2nd card.