Hey myFICO Family,
**Updated: 05/26/19
(tl:dr) Today was 91/3 (exactly) for my NFCU cashRewards Card SL 15K. Applied for NFCU Platinum card and approved for 15k SL, I wanted 25k very badly. I sent a SL Recon Message and will update with results. **NFCU Card Lending Department shot down my request to increase my starting limit off the original HP. They provided me the option to request a CLI, at that time NFCUCLD would look into the CLI within 24-48hrs. I respectfully declined, I assumed this would happen but wanted to atleast try.
- Started NFCU Membership - 2017
- Opened NFCU cashRewards Card 15k SL - 02/23/19—(Today is 3/91)
- (647 EX FICO / 654 TU FICO / 638 EQ FICO all from ExperianCreditWorks Premium)
- Income - 100k+
- Revolving Utilization - 0%
- Student Loans - 44k
- DTI - N/A
- (2) Paid Charge-off's reporting closed
- AMEX BCP PIF Charge-off (December 2018)
- Chase Freedom Settled for less then full Charge-off (January 2019)
- Opened NFCU Platinum Card 15k SL - (EXACLY on 3/91)
- (689 EX FICO / 696 TU FICO / 680 EQ FICO all from ExperianCreditWorks Premium)
- Income - 100k+
- Revolving Utilization - 3%
- Student Loans - 44k
- DTI - 50%
- (3) Paid Charge-off's reporting closed
- AMEX BCP PIF Charge-off (December 2018)
- Chase Freedom Settled for less then full Charge-off (January 2019)
- American Honda Settled for less then full Charge-off (May 2019)
I have secure message recon for a higher SL. We will see what happens, you miss all the shots you don't take!
