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NFCU and DISXO CLI. SUPER HIGHT UTI!

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Frequent Contributor

NFCU and DISXO CLI. SUPER HIGHT UTI!

Current scores fico 08: TU: 664 EQ: 655 EX: 666

Wanted to bring my UTI way down before asking for CLI. Planned on doing it in January 2020.

Well went and bought a truck yesterday (yay), which I also planned to wait on but I'm in the used market and couldn't let this truck go. So I tell the dealer do NOT shotgun my report to different companies. I am pre qual with cap1 and thats who I want to use! What did they do? Not listen! Cost me 7 inquiries!! I was pissed! Asked them what they came up with since they decided to not heed my wishes and they said cap1 was the best terms. I was so mad and I let them know it! Said that's exactly why I wanted only 1 or 2 inquiries anyway! 

 

So anyway I was so upset about the inquiries I figured what's 1 or 2 more now right? 

NFCU from 2800 to 8000. Current UTI was 900/2800.

DISCO went from 10k to 11,500 current UTI was 9600.

Carecredit 7500 to 8k. Current UTI was 1600/7500

Over all UTI was 56%. 

7-10 days on cap1 and amex.

 

Now I know my UTI is super high and I'm working on it. But as I said, I couldn't let this truck pass by. 

Cap1 approved 25k at 7.5% 66 months. Sale price was 28k.

 

So I'm wondering if I left anything on the table at NFCU. Should I ask for CLI to 15k and see if they counter? 8k was all I asked because I was worried about my UTI. More info in signature if needed. Questions welcome. 

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
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3 REPLIES 3
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Community Leader
Mega Contributor

Re: NFCU and DISXO CLI. SUPER HIGHT UTI!

CongratsSmiley Happy sorry about the truck, tell them they owe you a full tank of gasSmiley Wink

With Navy , unless it was sp i would let it go for now. Always shoot high on your requests just in case. Again great job buddySmiley Happy
Message 2 of 4
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Epic Contributor

Re: NFCU and DISXO CLI. SUPER HIGHT UTI!

Congratulations!!

popcorn eating emoticon.gif

Message 3 of 4
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Valued Contributor

Re: NFCU and DISXO CLI. SUPER HIGHT UTI!

Congrats on the CL increases and on the great deal on the truck!




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