Whens the last time anyone got an Auto increase from Navy

[CountryLivin]

Been with NFCU since I was 12 years old....I am now 53.......had my cash rewards card for 3 years now....still can't get an increase.

[mrldp40]

Did they tell u why? That's unusual for Navy

[Aduke1122]

Wow that's very unusual, when is the last time you tried and what are your scores and profile like

[CountryLivin]

my fako scores are about 566 right now and my fico according to Amex is 664. They never said why, but I got 3 hp's from trying, so I'm not requesting one again. I figure it is utilization....my NFCU card is at 85%

[joltdude]

---

@CountryLivin wrote:

my fako scores are about 566 right now and my fico according to Amex is 664. They never said why, but I got 3 hp's from trying, so I'm not requesting one again. I figure it is utilization....my NFCU card is at 85%

---

How long has it been at 85% utilization and what other cards do you have and their utilization?

Fako score doesn't help much here.. other than saying theres something going on and possible baddies or recent accounts that Vantage doesn't like....

Fill us in a bit.. 

-J

[CountryLivin]

---

@joltdude wrote:

---

@CountryLivin wrote:

my fako scores are about 566 right now and my fico according to Amex is 664. They never said why, but I got 3 hp's from trying, so I'm not requesting one again. I figure it is utilization....my NFCU card is at 85%

---

How long has it been at 85% utilization and what other cards do you have and their utilization?

Fako score doesn't help much here.. other than saying theres something going on and possible baddies or recent accounts that Vantage doesn't like....

Fill us in a bit.. 

-J

---

File is only a little over 3 years old 46 credit cards, 1 loan.....overall utilization is 31%........My NFCU card was at 90^ something utilization.....I use it alot!!!!! No baddies or lates of any kind on my reports.664 is my FICO 8 score........at the time I requested a CLI, my true Fico 8 was 677. 2 closed accounts, one by me and one for non usage.