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NFCU CR- AMEX Preferred CASH Approved with data

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NFCU CR- AMEX Preferred CASH Approved with data

Hi everyone!! Man it’s hard to behave when you leave the garden briefly. I joined NFCU last week and decided to apply with the rep on the phone. Not instant response said I’ll hear back in a few days. BAM one day later 1000 CL @ 14 %. I felt on top of the world my highest line not secured. Nfcu pulled TU for membership and Cc. I Pulled all my FICOs and saw I am a 666 experin which is 125 points above where I was awhile ago. With all that success I wanted to check on AMEX which declined me in June with a score of 601. (On the denial it showed because the score was too low. ) I called and talked with a rep and they recommended I apply for the preferred cash. Bam get online no pre approvals but decided to apply anyway. 1000 SL approved! Back to the garden I go.

TU 640
Equifax 672
Experian 666
Fico 8 - 673

UTI 8%
2 paid collections
5 derogs
Payment history
86 percent on time
Last time late 10 months ago

If I’ve missed any data points I’ll gladly post.

Edited to reflect nfcu credit pull.
FICO 8 Scores: Exp 603, Equifax 597, Trans 574 as of 6/7/2018. 6/8/2019

FICO 8. EXP 661, EQ 664, TU 640. In the Garden Starting 09/26/2019
Message 1 of 11
10 REPLIES 10
Valued Contributor

Re: NFCU CR- AMEX Preferred CASH Approved with data

Congrats on your success story and approvals! Both cards will grow nicely with your profile! Smiley Happy





Message 2 of 11
Highlighted
Community Leader
Senior Contributor

Re: NFCU CR- AMEX Preferred CASH Approved with data

Congrats on your approval! 

Got some pruning to do... No more new cards!
Message 3 of 11
Senior Contributor

Re: NFCU CR- AMEX Preferred CASH Approved with data

Congrats on your approval !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 11
Frequent Contributor

Re: NFCU CR- AMEX Preferred CASH Approved with data


@Newtophilly wrote:
@hi everyone!! Man it’s hard to behave when you leave the garden briefly. I joined NFCU last week and decided to apply with the rep on the phone. Not instant response said I’ll hear back in a few days. BAM one day later 1000 CL @ 14 %. I felt on top of the world my highest line not secured. Pulled all my FICOs and saw I am a 666 experin which is 125 points above where I was awhile ago. With all that success I wanted to check on AMEX which declined me in June with a score of 601. (On the denial it showed because the score was too low. ) I called and talked with a rep and they recommended I apply for the preferred cash. Bam get online no pre approvals but decided to apply anyway. 1000 SL approved! Back to the garden I go.

TU 640
Equifax 672
Experian 666
Fico 8 - 673

UTI 8%
2 paid collections
5 derogs
Payment history
86 percent on time
Last time late 10 months ago

If I’ve missed any data points I’ll gladly post.


Super Congrats on your Navy Fed and Amex approvals! Smiley Very Happy

 

Wow. When your EX FICO popped 125 points, your life certainly changed

for the better, didn't it?! We love hearing stories like yours. Good for you! Smiley Very Happy

 

Quick question: We know Amex hard pulls Experian, but which file(s)

did Navy Fed pull for your Cash Rewards cc? You wrote "Pulled all my FICOs..."

so I'm not sure as to whether you pulled all of your credit files or if Navy Fed

did in their approval process. If you could clear this up, it would be very

helpful to the rest of us looking for some Navy Fed luv in the future. Smiley Very Happy

 

Congrats once again on your Navy Fed and Amex success. Thanks for sharing! Smiley Very Happy

Message 5 of 11
Contributor

Re: NFCU CR- AMEX Preferred CASH Approved with data

I updated the post to show that navy pulled TU for me. This site and everyone here has been a wonderful resource.
FICO 8 Scores: Exp 603, Equifax 597, Trans 574 as of 6/7/2018. 6/8/2019

FICO 8. EXP 661, EQ 664, TU 640. In the Garden Starting 09/26/2019
Message 6 of 11
Established Member

Re: NFCU CR- AMEX Preferred CASH Approved with data

Congratulations!


Product Change Goals


"Future Cards"
Message 7 of 11
Valued Contributor

Re: NFCU CR- AMEX Preferred CASH Approved with data

Congrats! Ntf on your overall progress and these nice two cards. 

No interest in a NFCU CLOC? Pulls EQ. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2019): FICO 08 EXP: 747; TU: 749; EQ: 747
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 8 of 11
Contributor

Re: NFCU CR- AMEX Preferred CASH Approved with data

I didn’t really consider a cloc - I just called them and I am unable to use my DW’s income unless we put her on the application also. It might be something we consider down the road. We are still in the process of moving all our deposits into them.
FICO 8 Scores: Exp 603, Equifax 597, Trans 574 as of 6/7/2018. 6/8/2019

FICO 8. EXP 661, EQ 664, TU 640. In the Garden Starting 09/26/2019
Message 9 of 11
Senior Contributor

Re: NFCU CR- AMEX Preferred CASH Approved with data

Congratulations on both of your approvals! Sounds like your rebuild is coming along well!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 10 of 11
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