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No HP NFCU CLI (UPDATE 3/23/20)

ImTheDevil
Community Leader
Super Contributor

Re: No HP NFCU CLI

Congrats and very nice to hopefully dodge the HP too. Noteworthy that they’re using the trended data too. I’m sure others do it but I haven’t seen anyone else being told specifically a denial reason based on it. Regardless, glad to hear of the successful increase Smiley Happy


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 11 of 33
althes
Frequent Contributor

Re: No HP NFCU CLI

I just put in 2 CLI.

One for my nrewards that unsecured in June.

Then for the Platinum I got in July so I had 4 statements.

I have a BT on the Platinum and just made 2400 payment.

So will see how they like that.

 

Message 12 of 33
JoeLuvsHisCredit
Valued Contributor

Re: No HP NFCU CLI

Congrats 

Message 13 of 33
Birdman7
Super Contributor

Re: No HP NFCU CLI

Congratulations, belatedly. Whats that about removing a block?
-Scoring wisdom: Credit Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
Anonymous’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 14 of 33
AllZero
Super Contributor

Re: No HP NFCU CLI

Congratulations on your CLI!

Message 15 of 33
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: No HP NFCU CLI

@Birdman7 NFCU does not consider you for auto CLI unless you call and ask them to. By default, the option is blocked. I sent a secured message asking about it and they confirmed it before removing the block.



Message 16 of 33
Birdman7
Super Contributor

Re: No HP NFCU CLI

I sent a secure message and their response said they confirmed no block was on my account. Does that mean they only place the block in certain situations?
-Scoring wisdom: Credit Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
Anonymous’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 17 of 33
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: No HP NFCU CLI


@Birdman7 wrote:
I sent a secure message and their response said they confirmed no block was on my account. Does that mean they only place the block in certain situations?

Not sure. Some people have said they never had blocks. I had no idea to check until I saw it on here.




Message 18 of 33
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: No HP NFCU CLI

Update in original post




Message 19 of 33
myquestionsfico
Regular Contributor

Re: No HP NFCU CLI (UPDATE 3/23/20)

Congratulations!  I know it feels like small win, but you're making positive progress, and you're staying in the garden.  Kudos for your restraint!

Message 20 of 33
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