@Anonymous wrote:Applied for a car loan through NFCU. They didn't tell me flat out no, but they did just email asking me for income verification documents. Do you think they'll approve it once I prove my income since they didn't tell me outright no? I'm so nervous!
Yes. They did the same for me. I was post disch BK7 only two months prior to the app. Was approved at an insanely low rate for someone in my position.
NFCU Visa 30k | NFCU Platinum 30k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 30K | Discover IT 14K | CFNA FS 3200 | CareCredit 20k| Paypal Credit 5k |
@Creditwiser wrote:
@Anonymous wrote:Applied for a car loan through NFCU. They didn't tell me flat out no, but they did just email asking me for income verification documents. Do you think they'll approve it once I prove my income since they didn't tell me outright no? I'm so nervous!
Yes. They did the same for me. I was post disch BK7 only two months prior to the app. Was approved at an insanely low rate for someone in my position.
3x lower than what i was offered!
@Creditaddict wrote:
@Creditwiser wrote:
@Anonymous wrote:Applied for a car loan through NFCU. They didn't tell me flat out no, but they did just email asking me for income verification documents. Do you think they'll approve it once I prove my income since they didn't tell me outright no? I'm so nervous!
Yes. They did the same for me. I was post disch BK7 only two months prior to the app. Was approved at an insanely low rate for someone in my position.
3x lower than what i was offered!
3x is significant. Although I should add that I purchased a 2013 with less than 7500 miles on it which qualified the loan as a new car rate. Still though, the rate knocked me off my chair. Also, it was all thanks to you for the encouragement to app in the first place. Thanks again CA !
@CA.....just got a message online from NFCU after requesting a CLI 5 days ago...I called in the same day I requested the CLI and they said I was denied but now I get this message. Im assuming its not a flat out denial or I wouldnt have gotten this message, right? Heres my thing...I am self emplyed (REALTOR) and my tax return from last year only shows about 40k.....However, this year im on pace to make about 75k which is what I put on the the CLI app. Would they accept my last few commission check stubs over the past month as POI?
Navy Federal Response 12/03/2014 : Thank you for your credit card application. To ensure the timely and accurate processing of your application, we ask that you fulfill the requests that correspond to the following numbers in the list below:
1. Provide proof of the primary applicant’s income (e.g., two most recent paystubs, Social Security, retirement, disability statements, and/or last tax return filed with all schedules if self-employed).
Any requested documentation may be sent to us through return eMessage, or faxed to 703-206-4125. Please respond within 14 days from the date of this message. Should you have any questions, please let us know. You may respond through return eMessage, or call us toll-free at 1-888-842-6328.
For the online app when they ask "amount of limit" do put the amount you are requesting or the total amount of the card?
So, if you want an extra $5k do you put $5K or $15k which includes your previous limit? Confused
Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555LMAOOOOOOO! 
Do you think they'll go for it? They gave me an extra $1500 in August at my one yr anniversary. I also have the LOC at $15k (thanks to you!!!!).