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NFCU CLI's how long to wait after you maxed out your internal number?

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leegreen
Frequent Contributor

NFCU CLI's how long to wait after you maxed out your internal number?

Thank you all for your help in my credit journey, I would not be where I am without this forum. My question is I requested and recieved CLI's on my two NFCU CC's. How long should I wait before going back for more 90 days or 180 days? Because of my new limits and other changes my credit score has jumped about 50 points since I got my last round of CLI's with NFCU. Should I ask for more now or wait a certain amount of time?

06/26/2014 - Gardening until 7/1/15
NFCU NavCheck 15k, cashRewards VS 14k, nRewards 14k
Amex BCE 15k, CapOne Quicksilver MC 3k, USAA Platinum MC 2k, Discover It 1k
Jared 5.1K, Zales 5k, Lowe's 15k, Home Depot 5k
Message 1 of 4
3 REPLIES 3
OneDay_750
Frequent Contributor

Re: NFCU CLI's how long to wait after you maxed out your internal number?

What is your current EQ CSand overall UTL?


CURRENT SCORES: EQ: 628 (12/14/14); TU: 628 (12/10/14); EX: 636 (12/13/14)--All myFICO
STARTING myFICO EQ SCORE:: 507 (11/2013); GOAL SCORE: 700--(All CRAs); GARDENING SINCE: 10/5/14
Message 2 of 4
Creditaddict
Legendary Contributor

Re: NFCU CLI's how long to wait after you maxed out your internal number?

90 days possibly, 6 months more likely.

Message 3 of 4
leegreen
Frequent Contributor

Re: NFCU CLI's how long to wait after you maxed out your internal number?

Thank you for the replies, my overall util as reported is 19%(actually 5% once all CC's update) and my EQ score as per DCU is 651, EQ is always my lowest for example my TU as per Discover is 695 and the most recent EX is 691(LP).

 

Creditaddict, you seem to have as good of a handle on NFCU as anybody, I will wait 6 months before I risk the EQ HP, I do alot of business with NFCU so maybe excessive inq's is why my EQ lags...

06/26/2014 - Gardening until 7/1/15
NFCU NavCheck 15k, cashRewards VS 14k, nRewards 14k
Amex BCE 15k, CapOne Quicksilver MC 3k, USAA Platinum MC 2k, Discover It 1k
Jared 5.1K, Zales 5k, Lowe's 15k, Home Depot 5k
Message 4 of 4
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