@Anonymous wrote:
She's been with NFCU since 2001. Her credit got beat up while she didn't work when she had breast cancer a few years ago but it's on the mend now and she is good health wise. In Virginia NFCU pulls EQ so I locked her EQ account and they pulled TU. Her TU Fico 8 score was 707 from late last month. TU is her higher score by over 20 points. 1% UT with 2 small open medical collections (took a risk there) and 4 FED LOAN lates in early 2017. 20K approval @ 14.99%.
She is going to call in for a CLOC when she gets home in a few hours. Will they want to pull another report or do you think they will go off her TU pull from this morning?
Hi @TrixR4Kids ,
So happy to hear your DW's health is in a much better place and congrats on the new CC !
What I found in my limited 1 week experience with NFCU, if you need to appeal a decision you can request they use the original pull but for a new app, it's a fresh HP...unfortunately.
And just to add to the DPs, I'm in NJ and they pulled TU for both CC and CLOC. So, as always with anything credit related, YMMV.
[4/24] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 0, EX 3, TU 2. AoOA=15.8y, AoYA=8m.
TCL $678.5K: Personal $562.5K, Business $116K.
