I have had my NFCU cash rewards for over two years (opened July 2016). Started at 5k with a 662 score.
4 moths later (Nov 16) it was increased on a SP to 22k
My CH 13 recently dropped off TU so my score went from 672 to 766, I now have zero baddies.
My CH 13 is still on eq - 699 and ex 695
If I apply for a 2nd NFCU card (it is not needed, more to pad total utilization, and some curiosity) they pull TU (should anyways), so they will see my 766 score.
However, they do know about my ch13 still as they have my EQ score on file, and soft pull it like clockwork (as we all know).
I did apply for a second card 14 months ago and was denied as i was "at the maximum exposure"
Curious if anyone else has been in this scenario...
My total reporting uti is about 17 percent across 100k of cc credit.
