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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.
Reason why people like NFCU on here. Congrats!
@Anonymous 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?
Congrats on both outcomes btw!
Congratulations on your approval and CLI!
Welcome to the FORUMS!
CONGRATS on the CLI and the MASSIVE SL!!! NFCU seriously ROCKS!!!
Navy is on fire, congrats on the approval!
Congrats on your success! Navy is awesome!!! I've had my mother and my husband join. They've been great all around. Congrats again!