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Wow, NFCU is generous!

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Adalen
Frequent Contributor

Wow, NFCU is generous!

I was going to wait until I was mid-600s to apply for an additional TL because I only have one right now and have a collection that should be removed shortly.  However, after doing some research, it appeared that NFCU (been a member since infancy) was pretty generous in extending credit to high-500 scores.  So, I applied and I was approved instantly!  (Whaaat?!) 

 

The CL is $7,000... and Juniper won't even give me a CLI on my $500 Apple card.


Message 1 of 29
28 REPLIES 28
daveg38
Established Contributor

Re: Wow, NFCU is generous!

If I could only find my way into this credit union, my CL would probably be $15,000 or better....congratz and maybe someday they'll let a wider range of people in...

Ch7 Discharge: 5/14/2016 | Target RedCard $900 | Merrick DYL $500
Message 2 of 29
pizzadude
Credit Mentor

Re: Wow, NFCU is generous!

 

Congrats !!!  Navy is the best when it comes to giving good CLs to rebuilders.   They are extremely generous.   

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 29
Adalen
Frequent Contributor

Re: Wow, NFCU is generous!

No doubt you would, Dave.

 

I definitely for more positive about my rebuilding now.  My EQ score has been in a lull for about two months and it was driving me crazy. 


Message 4 of 29
cleanitup
Regular Contributor

Re: Wow, NFCU is generous!

Congrats way to go.  

Message 5 of 29
MsLadyRover
Valued Contributor

Re: Wow, NFCU is generous!


@Adalen wrote:

I was going to wait until I was mid-600s to apply for an additional TL because I only have one right now and have a collection that should be removed shortly.  However, after doing some research, it appeared that NFCU (been a member since infancy) was pretty generous in extending credit to high-500 scores.  So, I applied and I was approved instantly!  (Whaaat?!) 

 

The CL is $7,000... and Juniper won't even give me a CLI on my $500 Apple card.


WOW!  That is amazing.  Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 6 of 29
LS2982
Mega Contributor

Re: Wow, NFCU is generous!

@adalen CONGRATS!!! Nice CL!!!



EQ FICO 548 3/3/16
Message 7 of 29
Adalen
Frequent Contributor

Re: Wow, NFCU is generous!

Thanks!  Looks like the pulled my EQ report with a score of 607.


Message 8 of 29
Anonymous
Not applicable

Re: Wow, NFCU is generous!

An approval with a 7,000 CL with a 608 score? Wow - very nice indeed...

Message 9 of 29
bichonmom
Senior Contributor

Re: Wow, NFCU is generous!


@Adalen wrote:

I was going to wait until I was mid-600s to apply for an additional TL because I only have one right now and have a collection that should be removed shortly.  However, after doing some research, it appeared that NFCU (been a member since infancy) was pretty generous in extending credit to high-500 scores.  So, I applied and I was approved instantly!  (Whaaat?!) 

 

The CL is $7,000... and Juniper won't even give me a CLI on my $500 Apple card.


Wow. Congrats. They must really not like me because they won't give me more than $2k with a 759 EQ FICO, and you got $7k w/607 EQ. That makes no sense to me.

 

Just curious... do you have direct deposit with them?

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 10 of 29
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