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The Quest for an SSL alternative to Alliant

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New Contributor

Re: The Quest for an SSL alternative to Alliant


@Saeren wrote:

Unfortunately it's up to UW discretion. 36 months is still plenty of time and you can renew it at that point if you want to without taking too much of an AAoA hit. I think you are the first one to get told no for 60 months when offering $3010 though so thanks for the DP. 


Of course, just my luck. I might not need it after three years anyway since I imagine that by then I'll probably need an installment loan of some sort.

*Sig a work in progress*
Scores accurate as of 4/3/20.

FICO8:
FICO9:
My scores are deceptively high, especially on EX and TU in no small part due to a thin file and boosted by an old, now closed account I was an AU on and another currently open.

Total Inquiries: EX: 2|TU: 3|EQ: 2
Derogs: 0
Total Open, non-AU accounts:4
Installment: NFCU SSL opened on 3/24 for $3010 at 36 months (boo), paid down to 9%.
AAoA: 4 years, 3 months on EX and TU, 2 years and 8 months on EQ. Without AU... lol.
AoOA: With AU 01/2008, without 12/2019.
AoYA: Opened on 4-3-20.
Total CL: 7,400
Revolving UTL: ~1%

Message 401 of 429
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Mega Contributor

Re: The Quest for an SSL alternative to Alliant


@MrZero wrote:

Well, I didn't intend on this being my first post here but I applied for an NFCU SSL (I joined three weeks ago) this morning for the $3,010 I had deposited for it because of running that risk, got an e-mail about a half hour later about needing additional information. Waited for that message but it never came so I called in about a half hour ago and just got off the phone with a rep. The issue was needing to agree to the shortened term they offered, it wasn't 48, 46 or whatever shortened terms some have gotten recently, no it was only for 36 months. Smiley Mad Still agreed but not particularly happy about losing a whole two years. The rep I talked to went back and forth with the UW but she still didn't know the reason for such a short term. I'll have to wait until I get their letter in the mail to possibly know the reasoning for it.


Wow!  ..Sorry to hear thisSmiley Sad

 

I'd sure  like to know the reasoning for this Smiley Indifferent

Message 402 of 429
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New Contributor

Re: The Quest for an SSL alternative to Alliant


@M_Smart007 wrote:

@MrZero wrote:

Well, I didn't intend on this being my first post here but I applied for an NFCU SSL (I joined three weeks ago) this morning for the $3,010 I had deposited for it because of running that risk, got an e-mail about a half hour later about needing additional information. Waited for that message but it never came so I called in about a half hour ago and just got off the phone with a rep. The issue was needing to agree to the shortened term they offered, it wasn't 48, 46 or whatever shortened terms some have gotten recently, no it was only for 36 months. Smiley Mad Still agreed but not particularly happy about losing a whole two years. The rep I talked to went back and forth with the UW but she still didn't know the reason for such a short term. I'll have to wait until I get their letter in the mail to possibly know the reasoning for it.


Wow!  ..Sorry to hear thisSmiley Sad

 

I'd sure  like to know the reasoning for this Smiley Indifferent


Well, it's been almost three weeks, got four envelopes from NFCU today and thought maybe one was a letter that'd include the reasoning for it but it none of them were about it. One was my new CR card, the cost of credit letter, the "welcome" for the card and one for enrolling in their automated phone system. Maybe I should've given it a little more time before applying for it? *shrug*

*Sig a work in progress*
Scores accurate as of 4/3/20.

FICO8:
FICO9:
My scores are deceptively high, especially on EX and TU in no small part due to a thin file and boosted by an old, now closed account I was an AU on and another currently open.

Total Inquiries: EX: 2|TU: 3|EQ: 2
Derogs: 0
Total Open, non-AU accounts:4
Installment: NFCU SSL opened on 3/24 for $3010 at 36 months (boo), paid down to 9%.
AAoA: 4 years, 3 months on EX and TU, 2 years and 8 months on EQ. Without AU... lol.
AoOA: With AU 01/2008, without 12/2019.
AoYA: Opened on 4-3-20.
Total CL: 7,400
Revolving UTL: ~1%

Message 403 of 429
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New Contributor

Re: The Quest for an SSL alternative to Alliant

Hi all, I've been lurking this thread for the past week. Thanks for all the great info and heads ups.

 

I opened NFCU accounts this past Friday, and now I just got off the phone with NFCU - I applied for a SSL. Will be making a more detailed post of my experience and DPs soon!


FICO 5/2020: CC: 6 AZEO (+1 closed in 2014)
CC Utilization: ≤ 1% | Loan Utilization: ≤ 8.9% | AAoA: 2 yr 8 mo | AoOA: 7 yr 0 mo | AoYA: 0 yr 0 mo
Total CCs: $33,500 (3/24) | Total Installments: $5,010 (SSL with NFCU) | Late Payments: 0
(grrr car loan shopping - PIF)
Message 404 of 429
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Mega Contributor

Re: The Quest for an SSL alternative to Alliant


@adrianaesque wrote:

Hi all, I've been lurking this thread for the past week. Thanks for all the great info and heads ups.

 

I opened NFCU accounts this past Friday, and now I just got off the phone with NFCU - I applied for a SSL. Will be making a more detailed post of my experience and DPs soon!


Welcome to the Navy family ... Congrats!

Message 405 of 429
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New Contributor

Re: The Quest for an SSL alternative to Alliant


@M_Smart007 wrote:

@adrianaesque wrote:

Hi all, I've been lurking this thread for the past week. Thanks for all the great info and heads ups.

 

I opened NFCU accounts this past Friday, and now I just got off the phone with NFCU - I applied for a SSL. Will be making a more detailed post of my experience and DPs soon!


Welcome to the Navy family ... Congrats!


Thank you! I was approved for the SSL earlier; details to come soon. Now for a CC app spree 🤪


FICO 5/2020: CC: 6 AZEO (+1 closed in 2014)
CC Utilization: ≤ 1% | Loan Utilization: ≤ 8.9% | AAoA: 2 yr 8 mo | AoOA: 7 yr 0 mo | AoYA: 0 yr 0 mo
Total CCs: $33,500 (3/24) | Total Installments: $5,010 (SSL with NFCU) | Late Payments: 0
(grrr car loan shopping - PIF)
Message 406 of 429
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New Contributor

Re: The Quest for an SSL alternative to Alliant

My detailed post about my NFCU SSL experience (thus far) is up! Click here. Thanks for all the intel, guys!


FICO 5/2020: CC: 6 AZEO (+1 closed in 2014)
CC Utilization: ≤ 1% | Loan Utilization: ≤ 8.9% | AAoA: 2 yr 8 mo | AoOA: 7 yr 0 mo | AoYA: 0 yr 0 mo
Total CCs: $33,500 (3/24) | Total Installments: $5,010 (SSL with NFCU) | Late Payments: 0
(grrr car loan shopping - PIF)
Message 407 of 429
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Regular Contributor

Re: The Quest for an SSL alternative to Alliant

Hi all, somebody referred me to this thread yesterday and I am curious if anybody used SSFCU? 

Moved to the US in August 2018.
Applied for Citi Costco in November 2018 - Denied due to lack of history (no history).
Started building credit in January 2019. Please hover over each card:


Goal Cards:


* 1 Inquiry on EX is Tenant Screening for Apartment Rent

Message 408 of 429
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Moderator Emeritus

Re: The Quest for an SSL alternative to Alliant


@MrPepperoni wrote:

Hi all, somebody referred me to this thread yesterday and I am curious if anybody used SSFCU? 


First page they were tested a while back and work.

 

Not sure when CGID last updated it but the info should be solid there.




        
Message 409 of 429
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Moderator

Re: The Quest for an SSL alternative to Alliant

SSFCU is mentioned in the second post.

I can update as needed, as long as it's clearly spelled so I can copy and paste 🤦‍♀️

Today is 06/06/2020, I have to go grocery shopping if couch ever let's me go. I would have left earlier, but I cannot figure out which one of the travel cards I should use for grocery shopping ???
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