More data points for NFCU for anyone that is interested. Applied for both today.
cashRewards instant approval for $25,000 at 11.15%.
CLOC instant approval for $15,000.
FICO 8 credit scores (from 05/23/2018) before applications were Equifax - 711; Transunion - 708; Experian - 715.
Oldest Account: 21 years, 8 months
Average Age: 12 years, 1 month
Newest Account: 3 years, 7 months
My credit report(s) showed 0 inquiries, 0 public records, 0 collections and 20 total accounts; 7 listed as open including a charge-off from Bank of America from 6.5 years ago (set to be removed from reports in August 2018). This was also the last late payment on record. From the myFICO 3B report, Equifax does not show the amount of the charge off and lists my utlilization at 1%. Both Transunion and Experian include the charge off amount of $6,944 in the utilization and shows that as 22%. From Experian.com directly it shows 0% utilization and does not include the charged off amount in total credit.
I have been a member of NFCU since 2001, and over the years have had several personal loans with them. I also have a current car loan through them as well with a $43,000 balance.
Before this, my only credit cards are a Discover card at $6,000, Citi at $4,260 and two Capital One Platinum cards at $4,500 and $300.
I know they did a Transunion pull for one of the applications, but I don't which.
Congrats on both approval and both monster SL
The xx60 from Citi was from long ago when I much less responsible and my ex-wife kept most cards near 100% utilization. They reduced the credit limit to the current balance at the time.
As another data point for Navy Federal (NFCU), the new card is showing in my account now and includes free FICO scores. It states that Navy Federal uses Equifax FICO 9 for their credit decisions, at least for credit cards. At the time of application my FICO 9 scores were:
FICO 9 Score - 784
FICO Bankcard Score 9 - 783