cancel
Showing results for 
Search instead for 
Did you mean: 

Navy Federal super disappointing SL :(

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
New Contributor

Re: Navy Federal super disappointing SL :(

Check the link for the DP's on my initial CL fight, and results......with a discharged BK, btw. And, while I was typing this, I just got approved for another NFCU card (GoRewards) for $15k, and I requested a CLI on my current card. Hope the info in my thread helps any of you, but it did work for me, as always YMMV. Good luck!

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/NFCU-Visa-approval-but-low-CL-reconsiderat...

 

 


Starting Score: 1/2018 EQ- 534, TU- 541, EX- 512
Current Score: 11/2018 EQ- 639, TU- 654, EX- 604
Goal Score: 700+ across the board by 1/2020


Take the myFICO Fitness Challenge




By no means a FICO expert, all I can share are the facts of my own experiences and hope they help
Message 21 of 27
Valued Contributor

Re: Navy Federal super disappointing SL :(


@AverageJoesCredit wrote:
Next Navy AR should be in March

Thanks. I was planning to try for the CLI then anyway, but that clinches it.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 22 of 27
Contributor

Re: Navy Federal super disappointing SL :(

Nice Job on raising your scores Standby!!  I'll be interested to hear your results when you pull the trigger!

Message 23 of 27
Contributor

Re: Navy Federal super disappointing SL :(

thank you ngoaa!!  I got ansty and pulled the trigger on the CLOC--got the full 15K approval.  Now, come on people. I know it's different underwriting departments but still laughing over my 1k cc SL.

I will wait somewhere from 3-6 months depending on my angst. In the meantime, I'm building a better, stronger relationship with NFCU so hopefully my cc will see some love ! 

Message 24 of 27
New Contributor

Re: Navy Federal super disappointing SL :(

Eff that, recon that mess. State your case and get your proper SL!!!

Starting Score: 1/2018 EQ- 534, TU- 541, EX- 512
Current Score: 11/2018 EQ- 639, TU- 654, EX- 604
Goal Score: 700+ across the board by 1/2020


Take the myFICO Fitness Challenge




By no means a FICO expert, all I can share are the facts of my own experiences and hope they help
Message 25 of 27
Established Member

Re: Navy Federal super disappointing SL :(

I know I'm a day late and a dollar short on the age of this thread, AJC, but I was looking at my SP's on EQ and see that they are being pulled monthly for AR. Is this a new policy or do the ARs that really matter only come on odd numbered months? Are the even numbered pulls for FICO scores only? Thanks

Message 26 of 27
Frequent Contributor

Re: Navy Federal super disappointing SL :(

In a similar boat with my spouse. She walked out with 1k SL last week. 

 

A fico score is just one piece to the puzzle. Same with AAOA or utilization. My wife has a score that is higher then mine with a cleaner file but my file is much much thicker than hers. I walked out with 7800. 

 

I was very much so underwhelmed but 3-6 months history with Navy can be all the difference. I'll be crossing my fingers for you as I am for my wife. I'm sure you both with see some monster limits as we continue through 2019.

Starting scores - 480 - 11/05/18
Current Scores -





Message 27 of 27
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.