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NFCU Sucess!!!

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NFCU Sucess!!!

I have been trolling this site for months and this is my first post.  It is through all the information I recieved that today was possible.  I really didn't know the impact of new accounts and UTI until recently. I did Join NFCU November 6, 2019 and applied for CR and CLOC @10K.  Approved for 1K on CR and 10K on CLOC.  My overall UTI over the holidays as well as some major purchases on a 20 month 0% Visa from US Bank drove my scores down a lot. Today was my 91/3 with Navy.  I was a bit hesitant to pull the trigger on anything as the New AR showed a 618 FICO9.  I have no lates, always PIF on CR and way above minimum on all accounts. 1 disputed collection on EQ and TU that will go away in November. After seeing the sucess of others I went ahead and hit the LUV button on CR and asked for 15K got the 24 hour notice.  Recieved an alert that Navy pulled EQ.  I Applied for the Flagship the wheel spun forever but YOU'RE APPROVED!!!!!! 25K @12.24% This is my highest CL to date and first 5 figure. Hard pull on TU.  Signed out and signed back in and recieved a 3K bump on my CR.  Good Day!!! Navy Rocks!!! The new limits will lower my UTI and raise my score back to mid 700's  I am in the garden until I app for a mortgage later this year.  Thank you all for the guidence I recieved from your posts. 

15 REPLIES 15
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Established Contributor

Re: NFCU Sucess!!!

Congrats all round, another successful application story due to the great members of this forum.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 2 of 16
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Community Leader
Super Contributor

Re: NFCU Sucess!!!

Reason why people like NFCU on here. Congrats!

Message 3 of 16
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Community Leader
Mega Contributor

Re: NFCU Sucess!!!

OutstandingSmiley Happy
Message 4 of 16
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Moderator

Re: NFCU Sucess!!!


@noem wrote:

I have been trolling this site for months and this is my first post.  It is through all the information I recieved that today was possible.  I really didn't know the impact of new accounts and UTI until recently. I did Join NFCU November 6, 2019 and applied for CR and CLOC @10K.  Approved for 1K on CR and 10K on CLOC.  My overall UTI over the holidays as well as some major purchases on a 20 month 0% Visa from US Bank drove my scores down a lot. Today was my 91/3 with Navy.  I was a bit hesitant to pull the trigger on anything as the New AR showed a 618 FICO9.  I have no lates, always PIF on CR and way above minimum on all accounts. 1 disputed collection on EQ and TU that will go away in November. After seeing the sucess of others I went ahead and hit the LUV button on CR and asked for 15K got the 24 hour notice.  Recieved an alert that Navy pulled EQ.  I Applied for the Flagship the wheel spun forever but YOU'RE APPROVED!!!!!! 25K @12.24% This is my highest CL to date and first 5 figure. Hard pull on TU.  Signed out and signed back in and recieved a 3K bump on my CR.  Good Day!!! Navy Rocks!!! The new limits will lower my UTI and raise my score back to mid 700's  I am in the garden until I app for a mortgage later this year.  Thank you all for the guidence I recieved from your posts. 


Hi OP and welcome to the myFICO forums!

 

Just a quick question, did you travel into the future knowing you'd be approved this time around?  Smiley TongueSmiley Very Happy

 

Congrats on both outcomes btw!

Message 5 of 16
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Frequent Contributor

Re: NFCU Sucess!!!

Navy Federal Credit Union. Dropping bank a member at a time 💰

Congratulations, OP 👏🏾

06.2019

03.2018

NFCU CLOC: $15,000
Message 6 of 16
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Senior Contributor

Re: NFCU Sucess!!!

Congratulations on your approval and CLI!

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

Current Scores



Message 7 of 16
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Valued Contributor

Re: NFCU Sucess!!!

Welcome to the FORUMS!

 

CONGRATS on the CLI and the MASSIVE SL!!!   NFCU seriously ROCKS!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33K | NFCU Flagship VS $15K
Apple Card WEMC $6K | Macy's AMEX $4.5K | PenFed Power Cash Rewards VS $7.5K

TCL - $194K+ | Rebuilding since April 2018
Message 8 of 16
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Valued Contributor

Re: NFCU Sucess!!!

Navy is on fire, congrats on the approval!  


Message 9 of 16
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Frequent Contributor

Re: NFCU Sucess!!!

Congrats on your success! Navy is awesome!!! I've had my mother and my husband join. They've been great all around. Congrats again!

SspW.gif

Message 10 of 16
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