Official NFCU CLI Guide

[Anonymous]

Just opened my account last week. The account just appeared on Monday on my account page. I haven't even got my card yet.  

With that in mind, down the road, when this does appear on my account,  where does this AR info appear? 

[Creditaddict]

A full Equifax report shows promotional credit pulls.
But it's every 2 months so just put in your phone since July 1 is an AR month. You will want to wait for the Oct AR most likely before first cli request.

[Anonymous]

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@Anonymous wrote:

Just opened my account last week. The account just appeared on Monday on my account page. I haven't even got my card yet.  

With that in mind, down the road, when this does appear on my account,  where does this AR info appear? 

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On your Equifax report.  Under inquiries.  One must buy their report,  retrieve from denial of credit or subscribe directly to Equifax reporting. 

They use EQ 04 for scoring.  Available from myFico.

[Anonymous]

Thank you both. 

[Anonymous]

Anyone know how it takes before the CLOC shows up on credit reports?

[Anonymous]

I tried for a CLI. Got a 24 hour message and immediately called to cancel. 

[Anonymous]

So i have a 560 TU, 612 EX, 561 EQ with a 115k income. I currently have a $1000 CL secured nfcu rewards card for the last 17 months.

Two auto loans totalling 48k

When should apply for more credit? When all are about 600 or when im more in the mid 600s?

[Creditaddict]

NO!
You need no more credit until you address what is keeping your scores down below 600.
But for optimal scoring you don't need more than 3 trade lines which you have.

[Anonymous]

so it went down because when i was between jobs i racked up 7 late payments i stay between 8 and 11% usage im now making all payments on time. what else do you recommend for getting to 630ish? just time?

[Creditaddict]

Yes, just time