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Is it worth sending a message to Navy Federal?

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Regular Contributor

Is it worth sending a message to Navy Federal?

My credit score on Navy's website is from March. Although they say they update when they get the info from Equifax, mines has not moved.

 

Since March, they have unsecured my card and giving me a $1,100 CLI.

 

Is it worth contacting them to get the update or should I just leave it alone?

Starting Scores: Experian: 498 Equifax: 521 Transunion: 514
BK Filed: 06/19/17 - BK Discharged: 09/28/17
Current Score: Experian: 637 Equifax: 626 Transunion: 630
3/29/19

NFCU nRewards = $2,000 (unsecured at month 5); Capital One QuickSilver $2,000; Victoria Secret - $470; New York & Co - $800; Children's Place - $600.
Message 1 of 4
3 REPLIES 3
Senior Contributor

Re: Is it worth sending a message to Navy Federal?

Can't hurt anything to call or write, NFCU CSA's are generally very easy to deal with. 

Message 2 of 4
Super Contributor

Re: Is it worth sending a message to Navy Federal?

Is there a reason to think your credit score would have changed?  A credit limit going up would not in itself alter your score.  It would only affect your score if you had been reporting a relatively large balance.  But if your utilization was low before the CLI, then it will also be low now, and therefore they'd be no score increase resulting from the CLI.

Message 3 of 4
Regular Contributor

Re: Is it worth sending a message to Navy Federal?

My NFCU score is 45 points lower than the score I am getting from MyFico.

 

I know that my utilization is much lower now than it was in March.

 

 

Starting Scores: Experian: 498 Equifax: 521 Transunion: 514
BK Filed: 06/19/17 - BK Discharged: 09/28/17
Current Score: Experian: 637 Equifax: 626 Transunion: 630
3/29/19

NFCU nRewards = $2,000 (unsecured at month 5); Capital One QuickSilver $2,000; Victoria Secret - $470; New York & Co - $800; Children's Place - $600.
Message 4 of 4
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