CLI and Rate Reduction Approved - myFICO® Forums - 6434650

myFICO® Forums

Get Access Now

I always appreciate everyone sharing and helping on here!

Have had an Auto Loan & Visa Signature with Veridian CU since 11/2020. I came across this CU by total luck... and they have honestly been super easy to work with.

Today, received a preapproval email to refinance my other car loan, over to Veridian. Also requested CLI and APR reduction, and they used the same HP to handle all accounts. They did request 30 days proof of income.

Visa Signature: Increased from $5,000 to $20,000. APR reduced from 14.15% to 11.15%

Auto Loan Refi: $31,000 @ 2.79% for 66 mo (was 4.79%)

Rate Refi on existing Veridian Auto Loan: $40,000 @ 2.79% for 66 mo (was 3.79%)

My Starting Fico Scores:

[Fico Scores as of Nov 18 2024]:

My Fico Goal Score: 801

Take the myFICO Fitness Challenge

Message 1 of 12

11 REPLIES 11

That's great! Way to take lady luck to the bank and make it work for you!

Present Day...Equifax: ???, TransUnion: 777, Experian: 781
Sept. 2016...Equifax: 652, TransUnion: 608, Experian: 597

Message 2 of 12

Congrats for the CLI and APR reductions!

Message 3 of 12

Congrats on your cli and rate reduction!

Message 4 of 12

That’s terrific! Congratulations on your approval!! 👏🏼🎉🍾

Message 5 of 12

Congrats on your increase and APR reduction 👍🏼

Message 6 of 12

Congratulations on your CLI and APR reductions!

Current Cards (in order of approval):

Current FICO 8 | 9 (March 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Message 7 of 12

Grats to your move on up and the rate reductions

Message 8 of 12

Congrats on your CLI and APR reductions!

Current FICO 8:

US Bank Cash+ (PC from Perks+) | 05/2007 | $10,000

Dillards | 02/2008 | $4,600

AMEX Blue Cash Preferred (PC from Blue) | 09/2008 | $25,000

Best Buy | 10/2008 | $4,300

Target MC | 03/2009 | $10,500

Kohl's | 08/2009 | $3,000

Lowe's | 09/2009 | $35,000

US Bank LOC | 03/2010 | $500

US Bank Cash+ (PC from Platinum) | 12/2014 | $20,000

Goldman Sachs' Apple Card | 08/2019 | $28,000

Chase Freedom Unlimited | 09/2019 | $16,000

Chase Amazon Prime | 04/2020 | $20,000

AMEX Cash Magnet | 04/2021 | $10,000

US Bank Altitude Go | 05/2021 | $25,000

Elan Max Cash Preferred | 05/2021 | $25,000

Citi Custom Cash | 07/2021 | $21,600

FNBO Evergreen Rewards | 07/2021 | $25,000

Discover It | 07/2021 | $23,500

X1 | 03/2022 | $5,000

Affinity FCU Cash Rewards | 04/2022 | $32,500

Affinity FCU CLOC | 04/2022 | $10,000

Chase Freedom Flex | 09/2023 | $27,500

US Bank Altitude Reserve | 09/2023 | $15,000

Chase Sapphire Preferred | 05/2024 | $23,000

Citi Strata Premier | 10/2024 | $14,000

Bank of America Premium Rewards | 04/2025 | $22,500

Message 9 of 12

Congratulations 🎉🎈🎊 on your CLI and Rate Reduction.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX

Message 10 of 12