NFCU SSL Approval

[M_Smart007]

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@AllZero wrote:

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@CivalV wrote:

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@M_Smart007 wrote:

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@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

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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...

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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. 

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$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

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The problem with CK and WH is the info is not always correct.

Sometimes it is best to go straight to the source, rather than "Heard it through the grapevine"

[AllZero]

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@M_Smart007 wrote:

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@AllZero wrote:

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@CivalV wrote:

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@M_Smart007 wrote:

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@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

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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...

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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. 

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$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

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The problem with CK and WH is the info is not always correct.

Sometimes it is best to go straight to the source, rather than "Heard it through the grapevine"

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Thank you for providing the link. I was hoping you would do so. I need to update my macro.

[M_Smart007]

You're welcome

[CivalV]

I pulled my report and I am only seeing 4 HPs from NFCU. On my TU report I see, 1 for membership, 1 for the CC app, another for the secured card. On EQ I see 1 for the CLOC. So I only got HP'd 3 times on TU and 1 time on EQ. I feel much better now. Prior to Navy I only had 1 inquiry on TU & EX, none on EQ. 

[AllZero]

^ Glad you were able to confirm on the reports

[CivalV]

I felt wayyy better overall viewing my CRBs. My SSL finally showed up on my NFCU account so I paid it down to 8.9%. The $275 left over is available for use. I am wondering if the loan will hit my report at paid down to 8.9% first or if it will report as 100% UTL since it is new? If anyone could chime in, I would really appreciate it. 

[Anonymous]

It can honestly go either way. When mine was approved last year I got hit with 100% utilization - I was checking around every half hour to see if I could pay it off yet and I paid it as soon as it showed up. Next day got the 100% alert. Wasn't really a big deal though. 

FWIW, most people seem to be able to pay it down before it reports. I know of one other person that got it reported at 100% despite paying it down as soon as it showed up online. 

[CivalV]

I am still waiting for my report to update with the loan showing. It would be awesome for it to show 8.9% UTL lol

[M_Smart007]

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@CivalV wrote:

I am still waiting for my report to update with the loan showing. It would be awesome for it to show 8.9% UTL lol

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Knowing Navy, It should report at the end of the month. At least mine did.

[CivalV]

Wait April 30th? Or the end of May? 😩👀😱