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alonsoflor

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    EXPERIAN homeland (GO COWBOYS!!!)
  1. Yes, for the CLOC and CLI is always EQ.
  2. They pull EQ for me and many others. They don't use a set CRA and can't be put on this list for that reason. Sorry, but that's not the case. OK that's your opinion, no problem. With data to support it. Read my own data point above. You have not answered how long ago was this. "Many others" is also with what I'm going by, besides me confirming this. My wife, my mother in law, my-self and a friend all TU pulls for new credit cards with NFCU, and "many others." We might want to follow up NFCU and see if we can confirm which CRA they are pulling for cc applications.
  3. They pull EQ for me and many others. They don't use a set CRA and can't be put on this list for that reason. Sorry, but that's not the case. OK that's your opinion, no problem.
  4. When was this? All new credit card applications for NFCU are 99.9% going on TU now, I confirmed this with someone that works in one of the DFW area branches. For CLI or LOC goes with EQ. I stand firmly on what I previously stated. They pull EQ for me and many others. They don't use a set CRA and can't be put on this list for that reason.
  5. alonsoflor

    Hey everyone, I'm back!!!

    92GTA, welcome back, I'm really sorry about all your problems. You might also want to try another BK attorney, second opinion?
  6. NFCU is now 99.9% set for cc applications, I have seen this trend in multiple boards for at least a year. Audi Financial/VW (Captive), for many years pulling TU.
  7. alonsoflor

    The Master Minimum Age for Authorized Users Thread

    Don't know who updates here, NFCU stated there wasn't an age to add an AU (via secured message). I added my twins (14) and my other child (11) and they have already received the cards, in the letter specifically stated "this card will now report to the credit bureaus"
  8. alonsoflor

    Experian auto loans

    It was a Sub prime lender go financial. That's correct! However, subprime and everything they can offer low interest rates.
  9. alonsoflor

    Experian auto loans

    Carvana uses EXP vantage scores ( can't remember the name of the lender)
  10. alonsoflor

    NFCU secured to unsecured NOT a guarantee!

    True, but there are many with profiles that could support big exposure CL's, specially with NFCU. Better to be patient and wait IMO, even if the OP would get approved now.I'd rather have max exposure on 1 card instead of spreading it out over 2. Right, but once it unsecures he will have 2 cards and be splitting exposure.
  11. alonsoflor

    NFCU secured to unsecured NOT a guarantee!

    OP stated is a secured card, no reason to wait in my own opinion unless scores are low. Better to be patient and wait IMO, even if the OP would get approved now. I'd rather have max exposure on 1 card instead of spreading it out over 2.
  12. alonsoflor

    NFCU secured to unsecured NOT a guarantee!

    Just go ahead and apply for an unsecured card now, you should be approved without a problem granting low utilization and at least a 620 score.
  13. alonsoflor

    Consumer Financial Protection Bureau

    Why political? pbarnes is right in saying the agency may close or have a lot of the authority taken away. My 2 cents.
  14. alonsoflor

    Need Used Car Loan with NFCU with 3 new accts

    I wonder which FICO model do they use?
  15. alonsoflor

    Question in regards to negative equity

    Thank you for your feedback guys!

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