cancel
Showing results for 
Search instead for 
Did you mean: 

NFCU SSL Approval

M_Smart007
Epic Contributor

Re: NFCU SSL Approval


@AllZero wrote:

@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


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"

 

 

Message 11 of 35
AllZero
Super Contributor

Re: NFCU SSL Approval


@M_Smart007 wrote:

@AllZero wrote:

@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


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"


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

Message 12 of 35
M_Smart007
Epic Contributor

Re: NFCU SSL Approval

You're welcomeSmiley Happy

Message 13 of 35
CivalV
Established Contributor

Re: NFCU SSL Approval

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. 

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 14 of 35
AllZero
Super Contributor

Re: NFCU SSL Approval

^ Glad you were able to confirm on the reports
Message 15 of 35
CivalV
Established Contributor

Re: NFCU SSL Approval

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. 

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 16 of 35
Anonymous
Not applicable

Re: NFCU SSL Approval

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. 

Message 17 of 35
CivalV
Established Contributor

Re: NFCU SSL Approval

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

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 18 of 35
M_Smart007
Epic Contributor

Re: NFCU SSL Approval


@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


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

Message 19 of 35
CivalV
Established Contributor

Re: NFCU SSL Approval

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

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 20 of 35
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.