Navy Federal Thread for CLI and Additional Cards

[aesl1982]

I believe my internal is 265. Tu is 655 and eq 683.

[Anonymous]

@SilverSmith
Indeed I have. I need to stay put now and let things grow with navy. I was afraid to do the CLI first because I have seen Larry where folks can’t apply for anything for 6 months once they get CLI or new card.... so I tried for the card just in case they imposed the 6 month halt.

[Anonymous]

@aesl1982
My FICO 8 are TU618 EQ 586 EX604. You are better than me. What products do you currently have with them? How old is your oldest acct? What’s you AAOA? What your DTI? How many inquiries do you have? How many accounts opened in the past 3 months?

[aesl1982]

I’ve had secured card 91/3 now, but my oldest account is 13 years, aaoa is 1yr 8 months, dti is 26 percent. Income 205k inquiries are a major lol. Same with opened accounts last three months

[Anonymous]

A few pointers to raise the internal score —keep DTI low and(If UTI is lower that helps the whole picture) youngest accounts should be 3 months or older. If you can open a checking and savings with just $25 in each. You don’t really need a secured loan but it worked for me. I paid all of it except 8% as soon as I opened it.

[aesl1982]

I have 4 checking accounts with them and 4 savings accounts (me, my wife, joint, my daughter) and my direct deposit is with them. I’m sure it’s my Inqs and new accounts and average age holding my internal score down. I do pay my cars about a week or two early through them, my secured card gets paid off weekly, never reports a balance. And I use my clocs and pay those back usually within a couple days just to show some use and responsibility

[Anonymous]

Yep that’s probably it

[thornback]

Hey Y'all,  adding to the thread -  

I just received a SP CLI from NFCU.   

AR / score updated today and I requested the CLI about 30 mins ago -- my reports are locked;  I checked my account and my available credit now reads $18K  (I only asked for $18K).  No credit pull attempts were made.   

Here's my post for those that want more details: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/NFCU-Plat-SP-CLI-Approved/m-p/5832079#M642684

[Anonymous]

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@thornback wrote:

Hey Y'all,  adding to the thread -  

I just received a SP CLI from NFCU.   

AR / score updated today and I requested the CLI about 30 mins ago -- my reports are locked;  I checked my account and my available credit now reads $18K  (I only asked for $18K).  No credit pull attempts were made.   

Here's my post for those that want more details: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/NFCU-Plat-SP-CLI-Approved/m-p/5832079#M642684

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Wondering if i should hit the CLi then since SP after AR or wait for 91/3 

[thornback]

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@Anonymous wrote:

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Wondering if i should hit the CLi then since SP after AR or wait for 91/3 

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If it's a new card then you need to wait for 91/3 before requesting.