Navy Federal Thread for CLI and Additional Cards

[Peazmom]

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@Anonymous wrote:

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@Peazmom wrote:

@513credit, now I'm refreshing my screen waiting for your update!  LOL

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Just got an alert from credit karma, they also pulled my EQ.. uh oh.. I have 5 inquiries on there vs the 2 on my TU. 

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They double pulled me too when I first applied.  I'm not an expert, but all things being equal, I don't think 5 inquiries will spook them.

[CreditInspired]

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@Anonymous wrote:

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@Peazmom wrote:

@513credit, now I'm refreshing my screen waiting for your update!  LOL

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Just got an alert from credit karma, they also pulled my EQ.. uh oh.. I have 5 inquiries on there vs the 2 on my TU. 

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How does your DTI look?

[Anonymous]

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@CreditInspired wrote:

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@Anonymous wrote:

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@Peazmom wrote:

@513credit, now I'm refreshing my screen waiting for your update!  LOL

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Just got an alert from credit karma, they also pulled my EQ.. uh oh.. I have 5 inquiries on there vs the 2 on my TU. 

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How does your DTI look?

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Sareen helped me with this the other week, I can't remember.. but I take home $44,800 before tax, $750 in rent, $500ish in bills/mo and $550ish-$600 in debt out of my $4,275 credit line.

[gjean78]

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@Anonymous wrote:
For some reason my PPMC updated on EX and EQ but didn't on TU yesterday when I pulled my 3 reports like normal.. but uh.. where can I check this for free, or relatively cheap? I'm applying for the NFCU More Rewards today.. and would like to see my report beforehand.

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go to experian website they have a 30 days free trial. you'll see all 3 of your credit score.  u can always cancel it before the 30 days end without being charge.

[Anonymous]

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@gjean78 wrote:

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@Anonymous wrote:
For some reason my PPMC updated on EX and EQ but didn't on TU yesterday when I pulled my 3 reports like normal.. but uh.. where can I check this for free, or relatively cheap? I'm applying for the NFCU More Rewards today.. and would like to see my report beforehand.

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go to experian website they have a 30 days free trial. you'll see all 3 of your credit score.  u can always cancel it before the 30 days end without being charge.

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I do the creditchecktotal.com $1 all 3 reports + all fico scores thing once a month, after all my things refresh.. or should lol. Then I just call the Experian automated robolady and cancel. Rinse repeat. 

[gjean78]

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@Anonymous wrote:
Okay y'all... I need some good motivational vibes.. I got this.. I'm gonna get approved..

Best to apply over the phone or in my online portal?

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it doesn't matter how you apply. when you call the rep pretty much file the online application for u instead of you filing it. so either way I still have the same amount of chance to get approve.

[Anonymous]

NFCU just called, verified my identity through text message. Was told my application would go back into processing and it would be about 24 hours. 

BACK ON THOSE HIGH VIBES!!!!

[gjean78]

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@Anonymous wrote:

NFCU just called, verified my identity through text message. Was told my application would go back into processing and it would be about 24 hours. 

BACK ON THOSE HIGH VIBES!!!!

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I hope you get the approval, it's always good to get approve for new card.

[Anonymous]

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@gjean78 wrote:

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@Anonymous wrote:

NFCU just called, verified my identity through text message. Was told my application would go back into processing and it would be about 24 hours. 

BACK ON THOSE HIGH VIBES!!!!

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I hope you get the approval, it's always good to get approve for new card.

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I really want to get into the NFCU family, it will benefit me greatly in my older 20's and 30's. I'm trying to prepare a profile for a more mature me hehe.

[Peazmom]

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@Anonymous wrote:

NFCU just called, verified my identity through text message. Was told my application would go back into processing and it would be about 24 hours. 

BACK ON THOSE HIGH VIBES!!!!

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Fingers crossed...this sounds like a good omen!