Yeah for bumps! Also, NFCU CLOC application....

[hpotterfan77]

So I am finally seeing the bumps in my credit score and I am a happy girl today.  I decided to apply for a NFCU CLOC.  I didn't want to go too nuts so I app'd for $5K....just waiting for the decision to come through.....

[bstone]

I'd be highly surprised if you get the LOC.  We were discharged Jan 2015 and I just got approved for it last week.  That being said, when you apply again ask for the full $15K, they will counter offer a lower amount if they don't give you the entire thing.  I got it all.

I would suggest in about six months trying to increase the CL on your NFCU card, wait till about six months though.  If you get a CLI instantly there is a good chance you will get approved for the LOC at that time.

I had a $500 CL NFCU Cash Rewards card, got it in February and have been trying to get the CLI since.  About two weeks ago I tried for the CLI again (through the online account access) and asked for $1000, instantly approved.  Tried for $2,000, then $5,000, then $10,000, then $20,000.  All were instantly approved except the $20K increase, they counter offered $18,000.  So, if you get the instant approval keep trying for more until you either get a counter offer (which you accept) or you get the "we'll let you know in 3-5 days" message.

Also, I applied for the Signature Rewards Visa in August or September and got a $5,000 CLI there.  Of course everyone's rebuild is different and I have several other major credit cards in that time, but nothing over $1300 reporting when the $5,000 and $18,000 were approved (or the LOC for that matter).

[hpotterfan77]

Yeah, I'm not sure what my actual chances of getting approved are but I figured I'd give it a shot.  If I don't get it, I'll try again in 6 months or so. 

[alisadarrick]

Hi - How do you request a CLOC increase?  Via phone or with a live person?

[hpotterfan77]

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@alisadarrick wrote:

Hi - How do you request a CLOC increase?  Via phone or with a live person?

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I did it online.  Click on your checking account and you'll see the link.

[alisadarrick]

thanks I did it and got the full $15,000

[Anonymous]

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@hpotterfan77 wrote:

So I am finally seeing the bumps in my credit score and I am a happy girl today.  I decided to apply for a NFCU CLOC.  I didn't want to go too nuts so I app'd for $5K....just waiting for the decision to come through.....

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I discharged 9/29. How long before Cap 1 started reporting? And was the bump significant?

I applied for Firestone but was denied. Figured I'd try again after my cards are added and I get my tax lien removed. The tax lien is holding me down big time!

[hpotterfan77]

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@Anonymous wrote:

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@hpotterfan77 wrote:

So I am finally seeing the bumps in my credit score and I am a happy girl today.  I decided to apply for a NFCU CLOC.  I didn't want to go too nuts so I app'd for $5K....just waiting for the decision to come through.....

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I discharged 9/29. How long before Cap 1 started reporting? And was the bump significant?

I applied for Firestone but was denied. Figured I'd try again after my cards are added and I get my tax lien removed. The tax lien is holding me down big time!

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Ok so....declined.  Ah well.  Had a feeling.  As far as cap 1, it took about a month and half.  I'm still waiting for the 2nd one to report.  Yeah, I would wait to re-apply when your stuff shows up and your scores go up.  I think that's the only reason I was approved.  I'm now in the garden for the next 6 months except for maybe a CLI w/my Cap One cards.