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How long did it take for your approved NFCU cc to report on your credit report? Did it impact it significantly?
Mine was about 1 week on EQ. As far as the others I dont know. My score went up a click due to UTI....YMMV
Theydidn't report for several weeks for me. I was approved at beginning of Nov and it didn't start reporting till the end of themonth. However, they report monthly like clockwork a day after the stmt date.
@bichonmom wrote:Theydidn't report for several weeks for me. I was approved at beginning of Nov and it didn't start reporting till the end of themonth. However, they report monthly like clockwork a day after the stmt date.
Thanks bbb and bichonmom....trying to gauge if my score will increase or go down a few points
Took about 2 weeks to report on EX and EQ. TU took about 4 weeks to show up
Impossible to predict. If you're tracking our AAOA, that might give you an idea. If a new acct drops your AAOA to a lower year - like from 4 yrs to 3 yrs, then a FICO drop islikely. But even without the aaoa drop, your FICO can still drop from a new acct. Some of my new accts have had drops and some haven't. I haven't recognized any pattern at this point, besides the AAOA factor.
Tracking! I well just wait it out! Thought I could gather some type of rhyme or reason but Ill leave that to the FICO warlords!
@AvaMommy wrote:How long did it take for your approved NFCU cc to report on your credit report? Did it impact it significantly?
Mine reported after they cut the first statement which was 2-3 weeks. You can message them and ask them your statement date..I did. I don't recall a significant drop in score but I know there was not a gain either. The Walmart card I was approved for a few days ago reported already and I took a 9 point loss.
I was approved on 8/30, got my card on 9/7 and it hit my reports on 9/13. It also showed as a good tradeline for the month of Auguest which I did not expect.
To answer your second question, I saw a bump of about 12-15 points due primarily to improved utilization.