NFCU More Rewards!

difringe · ‎10-18-2021

DW app'd for NFCU More Rewards after her nRewards card cut its 3rd statement. Instant approval for $4700, her highest SL!

FICO8 scores

Experian - 734

Equifax - 692 (there's an old collection that'll age off in January)

TransUnion - 749

Utilization - 19%

Inquiries - 3 on TransUnion (where they pulled), 1 on Experian, 0 on Equifax

100% payment history outside of the collection that's aging off.

AAoA - 4yrs 1 month

AoOA - 6yrs 11 months

AoYA - 4 months

Please let me know if you want more DPs!

Elpadrino1 · ‎10-18-2021

Congratulations on DW's Navy approval!!

CreditMagic7 · ‎10-18-2021

Congratulations on her happy Navy approval!!

spiritcraft1 · ‎10-18-2021

That is excellent. Thank you for providing DP's! This card will help with utilization currently but getting that down below 9% will give her a boost!

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

M_Smart007 · ‎10-18-2021

Congratulations on your approval!

CreditAggie · ‎10-18-2021

Congratulations on DW's NFCU More Rewards approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (June 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

coreyb80 · ‎10-18-2021

Congrats to the DW on the approval!

gdale6 · ‎10-18-2021

Grats to your DWs approval!!

Anonymalous · ‎10-18-2021

Congrats to your DW! Any particular reason why she got a secured card in the first place? Worry about the EQ score?

difringe · ‎10-18-2021

@Anonymalous wrote:
Congrats to your DW! Any particular reason why she got a secured card in the first place? Worry about the EQ score?

She's not really credit savvy, and when I suggested that she app for the More Rewards card, she accidentally app'd for the nRewards card

Idk why the CSR she was on the phone with didn't say anything, her TransUnion score was around 780 at the time and she had around 7% utilization, so why would she want a secured card lol