NFCU flagship denied n recon denied

[Truel]

applied for flagship on friday, instant no go recon says they reviewed, no go. have 1 card with nfcu with 45.5K limit platinum. and a savings. fico is 812 transunion. is there any way to raise the internal score without switching my direct deposit? i like my local bank for it and dont want to move it. any general ideas on how to raise their internal score? I believe im at 2 something.. out of 450. 

[GZG]

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@Truel wrote:

applied for flagship on friday, instant no go recon says they reviewed, no go. have 1 card with nfcu with 45.5K limit platinum. and a savings. fico is 812 transunion. is there any way to raise the internal score without switching my direct deposit? i like my local bank for it and dont want to move it. any general ideas on how to raise their internal score? I believe im at 2 something.. out of 450. 

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it doesn't need to be your full dd, even a portion would check the dd box

your biggest limiting factor is your current limit because they won't pull from your plat to put onto a flagship

consider keeping more money in your accounts, switching to a flagship checking

do you just want the SUB or do you actually want the card?

[OpenBook55]

Is there anyway to find out your NFCU internal score without applying for new credit? 

[GZG]

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@OpenBook55 wrote:

Is there anyway to find out your NFCU internal score without applying for new credit? 

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no, there has to be a HP and either a denial or a credit issuance that isn't minimum APR to produce an internal score 

[NAVYCHOP]

I don't carry a balance and didn't worry about the SUB so I just converted my NFCU Platinum to the Flagship Rewards and prefer that they kept the account history with a 1997 opening date.  Now I'm asking for the 8k CLI every six months so that I will always have low credit utilization on the card.