NFCU AR

[Anonymous]

my apologies if this is a duplicate post as I was not sure my first email went through ,but I am new to this group; however I have heard about NFCU AR can someone provide details as to what this does or means?  How can you find out when the next one is? 

[pipeguy]

An "AR" is a soft-pull that many creditors do on a regular basis (AmEx especially). NFCU does a pretty much universal AR on their Credit Card accounts (probably others too) on odd numbered months (Jan-Mar-May-July.....). You can see the latest AR by looking at your FICO score on your credit card account which will be dated "as of May 3, 2018" or something like that. 

The value of the NFCU AR is that you can use it for a credit limit increase request rather than a hard pull using a basic formula: First time 91 days since approval after your 3rd statement cuts plus the next AR = no hard pull. Thereafter its 6 months and a new AR I believe for a second CLI request. 

[Anonymous]

@pipeguy thanks so much for this, but I don't have a credit card account, I only heard about this after i was denied a credit card from NFCU and a fiend of mine mentioned the AR to me.  Are  there other ways to find out about AR other than a credit card account?

[pipeguy]

I just looked at my account and "FICO Score" did not show up on my checking - share savings - CD's or Mortgage Accounts, but DID show up on my 3 Credit Card accounts, so I assume its only available under credit cards. An AR for NFCU is only useful for keeping track of FICO scores and getting a CLI on a credit card, so I don't know that it has any purpose "in general". 

[Anonymous]

ok thanks for the info