NFCU odds with stats??

Anonymous · ‎10-15-2015

Hello all! Just bit the bullet after a denial with NFCU credit card in June, scores have blasted up from 570s since then. Awoke to an alert on my TU file, score is 660 FICO 8 !! What a long journey it has been. So, I called in and apped for the nRewards -- In Review right now.

Stats are:

Score: 660 FICO 8 & FICO Bankcard 8 (I'm TOLD NFCU uses FICO 8 Bankcard usually)

UTIL: 30% overall; 4/6 cards have $0.00 balance, one card is at 85% UTIL (Barclay APPLE - financing iMAC)

INQs: On TU, 5 in last 6 months, 11 in last year

Baddies: - NO COLLECTIONS

- One CO from CapOne from Feb 2013, in dispute for $250

- 30 day lates on Student loans, one year old (about 4 of them)

AAofA 6.7 years, oldest 13 years.

Had the secured card with NFCU for 6 months, closed it in perfect stnading and PIF after approved for many larger limit unsecured cards! Weigh in credit zooms!! What have your apporvals been with NFCU? How are my odds fro a decent limit / approval ? Ive seen people with high 500s get approved and people with low 600s get approved at $5000+ !! Thank you !

Anonymous · ‎10-15-2015

@Anonymous wrote:
Hello all! Just bit the bullet after a denial with NFCU credit card in June, scores have blasted up from 570s since then. Awoke to an alert on my TU file, score is 660 FICO 8 !! What a long journey it has been. So, I called in and apped for the nRewards -- In Review right now.

Stats are:

Score: 660 FICO 8 & FICO Bankcard 8 (I'm TOLD NFCU uses FICO 8 Bankcard usually)
UTIL: 30% overall; 4/6 cards have $0.00 balance, one card is at 85% UTIL (Barclay APPLE - financing iMAC)
INQs: On TU, 5 in last 6 months, 11 in last year
Baddies: - NO COLLECTIONS
- One CO from CapOne from Feb 2013, in dispute for $250
- 30 day lates on Student loans, one year old (about 4 of them)
AAofA 6.7 years, oldest 13 years.

Had the secured card with NFCU for 6 months, closed it in perfect stnading and PIF after approved for many larger limit unsecured cards! Weigh in credit zooms!! What have your apporvals been with NFCU? How are my odds fro a decent limit / approval ? Ive seen people with high 500s get approved and people with low 600s get approved at $5000+ !! Thank you !

I think your chances at approval are good. As for a possible CL, that's impossible to guess based on info provided. Would need to know income, current limits, etc.

Anonymous · ‎10-15-2015

Sorry income is 93,000!
Limits:

Barclaycard: $3000
Care credit: $3000
Western FCU VISA: $3000
Credit One: $600
Capital one QS1: $2100

baller4life · ‎10-15-2015

5 figure limit for sure!

Anonymous · ‎10-15-2015

I'm sure hoping. They have denied me like 3 times. But scores were usually under 600 at time lol. I'm really crossing my gurtle

baller4life · ‎10-15-2015

Well I believe this is gonna be the approval you've been waiting for. I got $3k cash rewards with a 598. As my score grew so did my credit with Navy Fed. I have $57k in total credit with them. Love love love NFCU!

Anonymous · ‎10-15-2015

What was your baddie profile at time ?? UTIL ?

baller4life · ‎10-15-2015

I can't remember exact scores as limits grew. I think I was like 630 when I got first cli on Cashrewards to $10k. Then not long after that I apped platinum MC and was approved for $7500. Then like 6 months later I cli them both to $17.5k. Think I was 660/670. I was 680 when I got $15k CLOC. Util has always been under 20%

Anonymous · ‎10-15-2015

Amazing. My UTIL is higher than yours so we will see. Crossing my GURTLE

baller4life · ‎10-15-2015

I'll look for your approval thread soon!