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Navy Federal Approval and CLIs (soft pulls only)

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lilsprinkles
Valued Member

Navy Federal Approval and CLIs (soft pulls only)

Hey all!

I say this every time but I've learned SO much from everybody on these forums. My DW and I recently paid off a bunch of cards so I started looking at increasing our CLs and which card we should get to do a BT on the two cards that still have balances. Before I applied for Navy Fed I did CLI soft pull requests on CareCredit (8K to 15K), LazyBoy (1,100 to 4,600), Paypal Extras (3K to 6K), her Paypal (4,500 to 9K), and Discover (9K to 10K). I have an option to upgrade our Delta Amex but I'm sitting on it for now. I read on the forums that you can change the card type (only from a points card to a points card OR a cash back card to a cash back card). 

Navy Fed was the only hard pull and well worth it because they approved 18K after a review of 2 days!! I had a checking and savings account with them in the 90s but had closed it. They let me reopen it and I got my member status back, member since 1998!

My scores are current in my siggy. We've had all the cards except Navy Fed for at least a few years, some much longer. I have a collection on my report from a few years ago from a chiro that hurt my neck and wouldn't be nice so it's stupid but it's on there. I need to figure out who it's with and do a PFD but haven't made time. My wife is waiting for a BK to fall off in 2023. Please let me know if you have any questions, happy to help Smiley Happy.



LOC/Financing

12 REPLIES 12
gdale6
Moderator Emeritus

Re: Navy Federal Approval and CLIs (soft pulls only)

Grats to both of you on the CLIs and you on the NFCU approval Smiley Happy

Message 2 of 13
Anonymous
Not applicable

Re: Navy Federal Approval and CLIs (soft pulls only)

Congrats for all your approvals!

Message 3 of 13
Elpadrino1
Valued Contributor

Re: Navy Federal Approval and CLIs (soft pulls only)

Congratulations to you and DW approvals!!

Message 4 of 13
everest
Frequent Contributor

Re: Navy Federal Approval and CLIs (soft pulls only)

Congrats on all the approvals! 🎉



Message 5 of 13
lilsprinkles
Valued Member

Re: Navy Federal Approval and CLIs (soft pulls only)

Thank you!! I learn something every time I log on!



LOC/Financing

Message 6 of 13
babygirl1256
Senior Contributor

Re: Navy Federal Approval and CLIs (soft pulls only)

Congrats on your Navy Federal approval and CLIs . . . keep 'em growing!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 7 of 13
HeavyResist
Frequent Contributor

Re: Navy Federal Approval and CLIs (soft pulls only)

Congrats on the NavyFed approval @lilsprinkles 







 
Message 8 of 13
CreditAggie
Community Leader
Super Contributor

Re: Navy Federal Approval and CLIs (soft pulls only)

Congratulations on your CLIs and NFCU approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 9 of 13
CYBERSAM
Senior Contributor

Re: Navy Federal Approval and CLIs (soft pulls only)

Congrats on your Navy Federal Approval and CLIs ⚓🤑👍👍







                
Message 10 of 13
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