Re: Navy Federal Thread for CLI and Additional Car... - Page 716 - myFICO® Forums

Adkins · ‎06-11-2018

@Anonymous wrote:
6/9/2018 Requested CLI on my Cash Rewards (93/3). Request $10,000 increase from $20,000 to $30,000, went to review - HP EQ. As of today 6/11/2018 have not received a response, so I sent secure message. While waiting for a decision, app'd for 3rd credit card, More Rewards Amex and received instant approval - $12,000 sl, APR 16/49% (high but pif) = HP TU.

6/11/2018
Fico 9
   Inq. 12 months
EQ
720             10
TU
716             6
EX
716             13

Nice, congratulations on the 3rd card! Let us know how the CLI request goes!

Last HP 08-07-2023

Jnbmom · ‎06-11-2018

@Adkins wrote:
@Anonymous wrote:
6/9/2018 Requested CLI on my Cash Rewards (93/3). Request $10,000 increase from $20,000 to $30,000, went to review - HP EQ. As of today 6/11/2018 have not received a response, so I sent secure message. While waiting for a decision, app'd for 3rd credit card, More Rewards Amex and received instant approval - $12,000 sl, APR 16/49% (high but pif) = HP TU.

6/11/2018
Fico 9
   Inq. 12 months
EQ
720             10
TU
716             6
EX
716             13
Nice, congratulations on the 3rd card! Let us know how the CLI request goes!

Congrats. May I ask how long you have had your first 2 cards and when did you initially apply for your second after getting your first?

EXP 780 EQ 791TU 795

Anonymous · ‎06-11-2018

NFCU – History (11-22-2018 to 6-5-2018)

11/22/2017 – Approved for Membership 1 HP-EQ and Go Rewards cc $4200 sl…1 HP-TU

1/4/2018 – GoRewards credit score – EQ9 709 … TU9 720

2/2/2018 – Approved for CLOC $5000, asked for $15,000…HP-EQ

2/10/2018 – Received letter (after app for CLOC) NFCU credit score is 681 (range 334-818)

Source: Equifax Information Services

2/24/2018 - GoRewards CLI (93/3)(request $25000) – Approved $7000 (tl sl $11,200)…HP-EQ (F9-709)

3/4/2018 – 2nd cc CashRewards instant approval $20,000…HP-TU (EQ Fico9 - 711)

5/7/2018 – Preapproval Auto Laon – Approved $10,000…HP EQ

5/7/2018 – CLOC cli – requested $15,000 – DENIED … Too soon, shy one week. NO HP

Also, the letter stated too many accounts opened in the last 12 months.

5/8/2018 – CX’d the preapproved Auto Loan – After speaking with rep. I can only use preapproved auto loans for dealership purchases only. I am buying used vehicle from private party (my brother).

6/3/2018 - Applied for CLI on CLOC - stated decision usually takes less than 1 hour, two hours later still no decision, went to bed.

6/4/2018 – Next morning, checked application status on CLI for CLOC - APPROVED - full request = now at max $15,000

(was $5,000 increased by $10,000)- NOTE: As of today, 6/4/2018 8:08pm NO Hard Pull yet

6/9/2018 – Cash Rewards CLI (93/3)(request $30000) – Still waiting for decision …HP-EQ (F9-720)

6/11/2018 – While waiting for decision for CLI on Cash Rewards, decided to app for 3rd credit card

More Rewards Amex – Instant approval = $12,000 sl – apr 16.49% (high but pif) HP- TU716

6/11/2018 – Approved CLI request for CLOC – still NO Hard Pull

6/11/2018 FICO9 Inq. 12 months

EQ 720 10

TU 716 6

EX 716 13

AverageJoesCredit · ‎06-11-2018

Super grats Rosey1

Penfed who???

Anonymous · ‎06-11-2018

Called NFCU, the request for CLI on my CashRewards was Declined, letter will be sent with explanation. Does NFCU do recon?

AverageJoesCredit · ‎06-11-2018

They do but I wouldnt 100% count on it with a 12k approval and all your recent approvals. They may need more history.

Anonymous · ‎06-11-2018

Thank you, I may try again in 6 months, by that time I will be a NFCU member for 1 year.

Anonymous · ‎06-13-2018

@Anonymous wrote:
I wanted to add some data for those applying to NFCU credit cards. I recently applied for the cashRewards card and was approved for $25k at the lowest 11.15% rate. I received a courtesy letter today detailing the credit pull. As many have stated NFCU pulls Equifax for their credit cards. Based on the score from the letter it appears they used the Equifax FICO Score 5, as it's the only one that matched my previous results I pulled just previous to the application. At the time of my application my FICO Score 5 was 706.

Hope this helps anyone looking to apply.

They 100% pulled Transunion on my new CC application. They pulled Equifax for my CLI application. When I asked the rep I talked to when I asked for my reconsideration for the denied CLI, they confirmed that their policy is to pull TU for new cards and EQ for CLIs.

Obviously that might not be the same in every single case, but generally speaking, that is their normal policy.

Anonymous · ‎06-13-2018

@Anonymous wrote:
@Anonymous wrote:
I wanted to add some data for those applying to NFCU credit cards. I recently applied for the cashRewards card and was approved for $25k at the lowest 11.15% rate. I received a courtesy letter today detailing the credit pull. As many have stated NFCU pulls Equifax for their credit cards. Based on the score from the letter it appears they used the Equifax FICO Score 5, as it's the only one that matched my previous results I pulled just previous to the application. At the time of my application my FICO Score 5 was 706.

Hope this helps anyone looking to apply.
They 100% pulled Transunion on my new CC application. They pulled Equifax for my CLI application. When I asked the rep I talked to when I asked for my reconsideration for the denied CLI, they confirmed that their policy is to pull TU for new cards and EQ for CLIs.

Obviously that might not be the same in every single case, but generally speaking, that is their normal policy.

In some case if one or the other is froze they "may" use the other, 99.9% tu for new cards and EQ for CLI/CLOC. its been awhile, but there was 2 reports of EX used, but they were over 3 years ago. i think navy is all TU/EQ now, as i have app-ed alot and no EX pulls i've seen