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NFCU SSL Approval

CivalV
Established Contributor

NFCU SSL Approval

I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh 

 

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol

Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by June 2022: First Time Home Buyer
AA:


Goal Completed: Auto Lease 2020 Mazda CX-5 No Income Verification


The Line Up
Marriott Bonvoy: $5000
Amazon Prime Now Sig: $2800
CITI Costco: $5500
CITI Double Cash: $6100
Navy Rewards: $2400
Amex Delta Plat: $1700
Amex Hilton Honors: $1000
Target Red Card: $2000
Victoria Secret Gold: $1200
HSN: $2500
Overstock: $4250
Kohls: $1500
Capital One: $2750
Capital One #2: $500

Penfed Personal Loan: $20K
NFCU Secured Loan: $285


Total CL:$38,700
Total UTL: 25%
Current Scores: EQ: 698 TU: 706 EX: 696
34 REPLIES 34
EverForward
Established Contributor

Re: NFCU SSL Approval

Congratulations on your approval!!

Message 2 of 35
ClassicMan
Valued Contributor

Re: NFCU SSL Approval

Congrats on the approval. I wonder if NFCU changed their policy because I always thought it was a SP for a SSL.

12/18/19




05/27/20





Cards

Authorized User
Message 3 of 35
CivalV
Established Contributor

Re: NFCU SSL Approval

Thank you!! I am praying I see a score boost when I pay it down to 8.9%, since I did not have any open installment loans on my report 

Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by June 2022: First Time Home Buyer
AA:


Goal Completed: Auto Lease 2020 Mazda CX-5 No Income Verification


The Line Up
Marriott Bonvoy: $5000
Amazon Prime Now Sig: $2800
CITI Costco: $5500
CITI Double Cash: $6100
Navy Rewards: $2400
Amex Delta Plat: $1700
Amex Hilton Honors: $1000
Target Red Card: $2000
Victoria Secret Gold: $1200
HSN: $2500
Overstock: $4250
Kohls: $1500
Capital One: $2750
Capital One #2: $500

Penfed Personal Loan: $20K
NFCU Secured Loan: $285


Total CL:$38,700
Total UTL: 25%
Current Scores: EQ: 698 TU: 706 EX: 696
Message 4 of 35
CivalV
Established Contributor

Re: NFCU SSL Approval

@ClassicMan I guess I was a test dummy lol 😩 NFCU pulled my report 5 times within 2 months omg ☹️

Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by June 2022: First Time Home Buyer
AA:


Goal Completed: Auto Lease 2020 Mazda CX-5 No Income Verification


The Line Up
Marriott Bonvoy: $5000
Amazon Prime Now Sig: $2800
CITI Costco: $5500
CITI Double Cash: $6100
Navy Rewards: $2400
Amex Delta Plat: $1700
Amex Hilton Honors: $1000
Target Red Card: $2000
Victoria Secret Gold: $1200
HSN: $2500
Overstock: $4250
Kohls: $1500
Capital One: $2750
Capital One #2: $500

Penfed Personal Loan: $20K
NFCU Secured Loan: $285


Total CL:$38,700
Total UTL: 25%
Current Scores: EQ: 698 TU: 706 EX: 696
Message 5 of 35
M_Smart007
Epic Contributor

Re: NFCU SSL Approval


@CivalV wrote:

I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh 

 

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol


Are you 100% sure, that the TU HP was not for this?

 

https://ficoforums.myfico.com/t5/Credit-Cards/Are-the-Navy-Federal-Prequalify-recommendations-Accura...

Message 6 of 35
CivalV
Established Contributor

Re: NFCU SSL Approval


@M_Smart007 wrote:

@CivalV wrote:

I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh 

 

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol


Are you 100% sure, that the TU HP was not for this?

 

https://ficoforums.myfico.com/t5/Credit-Cards/Are-the-Navy-Federal-Prequalify-recommendations-Accura...


 

 

 

Yeah my TU report was pulled as soon as I was approved for my CC on the 27th and another HP today. Are there any sites you can recommend that will pull my reports for free or for cheap? I feel like I need to go over my reports but myfico subscription is paused. 

Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by June 2022: First Time Home Buyer
AA:


Goal Completed: Auto Lease 2020 Mazda CX-5 No Income Verification


The Line Up
Marriott Bonvoy: $5000
Amazon Prime Now Sig: $2800
CITI Costco: $5500
CITI Double Cash: $6100
Navy Rewards: $2400
Amex Delta Plat: $1700
Amex Hilton Honors: $1000
Target Red Card: $2000
Victoria Secret Gold: $1200
HSN: $2500
Overstock: $4250
Kohls: $1500
Capital One: $2750
Capital One #2: $500

Penfed Personal Loan: $20K
NFCU Secured Loan: $285


Total CL:$38,700
Total UTL: 25%
Current Scores: EQ: 698 TU: 706 EX: 696
Message 7 of 35
AllZero
Super Contributor

Re: NFCU SSL Approval


@CivalV wrote:

I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh 

 

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol


Congratulations on your SSL!

 

If you did receive a HP for the SSL, try calling back and ask if they can recode to soft pull inquiry. The majority of reports opening a SSL did not incur a hard pull.

Message 8 of 35
AllZero
Super Contributor

Re: NFCU SSL Approval


@CivalV wrote:

@M_Smart007 wrote:

@CivalV wrote:

I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh 

 

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol


Are you 100% sure, that the TU HP was not for this?

 

https://ficoforums.myfico.com/t5/Credit-Cards/Are-the-Navy-Federal-Prequalify-recommendations-Accura...


Yeah my TU report was pulled as soon as I was approved for my CC on the 27th and another HP today. Are there any sites you can recommend that will pull my reports for free or for cheap? I feel like I need to go over my reports but myfico subscription is paused. 


$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian.com or creditchecktotal.com. Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

Free credit reports (disregard the VantageScore 3.0 score) at:
creditkarma.com for weekly TU and EQ
wallethub.com for daily TU

Message 9 of 35
M_Smart007
Epic Contributor

Re: NFCU SSL Approval


@CivalV wrote:

@M_Smart007 wrote:

@CivalV wrote:

I was approved for a NFCU SSL of $3100. The application process over the phone was smooth and fast. The rep was amazing. An email was sent to sign documents, documents were signed and the $3100 is already available in my NFCU Checking account. Only downside is that I asked the rep if there would be a HP and she stated no. I ended up getting HP on my TU report! wahhhhhh 

 

Oh well. Now I am waiting for the SSL to show on my NFCU account so that I can pay it down to 8.9%... Super awesome lol


Are you 100% sure, that the TU HP was not for this?

 

https://ficoforums.myfico.com/t5/Credit-Cards/Are-the-Navy-Federal-Prequalify-recommendations-Accura...


 

 

 

Yeah my TU report was pulled as soon as I was approved for my CC on the 27th and another HP today. Are there any sites you can recommend that will pull my reports for free or for cheap? I feel like I need to go over my reports but myfico subscription is paused. 


@CivalV  Free credit reports are now available for everyone, every week

Big three credit reporting agencies switch from one free report per year.

 

Very detailed info, good to check things out. just no score.

https://www.housingwire.com/articles/free-credit-reports-are-now-available-for-everyone-every-week/

Message 10 of 35
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