Reply
Regular Contributor
Posts: 180
Registered: ‎12-31-2013
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Asked for a CLI last evening.  Got the 3-5 day msg.  I did get a message today from NFCU that wanted a verification of income.

 

Since I used my DH income, should I just secure message them his stubs?  Or should I send last year's tax returns?

 

Any help is appreciated :smileyhappy:

Epic Contributor
Posts: 22,723
Registered: ‎10-23-2007
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"


Eyisila wrote:

Asked for a CLI last evening.  Got the 3-5 day msg.  I did get a message today from NFCU that wanted a verification of income.

 

Since I used my DH income, should I just secure message them his stubs?  Or should I send last year's tax returns?

 

Any help is appreciated :smileyhappy:


I say last years taxes.

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Regular Contributor
Posts: 180
Registered: ‎12-31-2013
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"


Creditaddict wrote:

Eyisila wrote:

Asked for a CLI last evening.  Got the 3-5 day msg.  I did get a message today from NFCU that wanted a verification of income.

 

Since I used my DH income, should I just secure message them his stubs?  Or should I send last year's tax returns?

 

Any help is appreciated :smileyhappy:


I say last years taxes.


Sent in the taxes and declined :smileysad:.  I only asked for $5000 and no counter.  Dunno if I should try a recon or anything. 

Epic Contributor
Posts: 22,723
Registered: ‎10-23-2007
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Yeah give them a call and ask them, they seem to not like the income proof so ask what they want.
Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Regular Contributor
Posts: 180
Registered: ‎12-31-2013
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

I am guessing that since when you put in a CLI request online it asks for the primary applicant's income, work number etc, and mine is non-existant, so I ended up putting my DH info in the money amount and such.

 

I will give them a call soon to see what, if anything, could be done :smileyhappy:

Regular Contributor
Posts: 180
Registered: ‎12-31-2013
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Apparently, I do not "qualify" for an increase based on what was on the tax returns.

 

It's not like I asked for $25k but I digress :smileyhappy:

 

Still happy and satisfied with NFCU

Regular Contributor
Posts: 266
Registered: ‎04-11-2014
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"


Creditaddict wrote:
Yeah give them a call and ask them, they seem to not like the income proof so ask what they want.

are you online it seems you have alot of good advice with nfcu could i pick your brain lol

cap 1 venture1- 3000 / Barclays rewards mc- 2050 / amex delta gold- 1000 / discover it- 1600 / nfcu nrewards- 8500 / nfcu cash rewards - 8500 / nfcu navcheck- 15000 / matrix mc- 300 / Walmart- 600 / r us cc- 200 / old navy- 200 / home depot- 500 / zales- 2000 / vs- 1050 / boa secured- 500 / emblem- 200 / fingerhut- 2800 / dillards - 300 / pay pal sc -800 / jcp - 400 / lowes - 300 / gettington - 750 / kohls - 300 / carecredit - 7000 / carcareone - 600 / sams club sc - 700 / usbank sec 500/ gamestop sc 500

available credit is 59,850
ex fico= 660, tu fico= 662, eq fico= 614, ck= score 587 / vantage score 790
Epic Contributor
Posts: 22,723
Registered: ‎10-23-2007
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"


mossmanb5 wrote:

Creditaddict wrote:
Yeah give them a call and ask them, they seem to not like the income proof so ask what they want.

are you online it seems you have alot of good advice with nfcu could i pick your brain lol


LOL, I am... private me if you want too.

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Valued Contributor
Posts: 2,076
Registered: ‎07-17-2013
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Just wanted to let everyone know that my 6th statement cut, and I didn't get any auto cli with it. The balance was $0 on my card, and overall util was 1% on only one other card reporting. I tried asking for a cli online and got the 3-5 day manual review, then declined, so another damn Hp :smileysad: oh well, I'll just keeping using the card and pif like I do every month before the statement cuts, and hope I get some increase in October when the card is one year old. Gardening for a very long time
(BK7 d/c:08/19/13~FICO-400's)---> EQ 640,EX 666,TU 657
3 major cc/ 8 retail cc= $47,300 avail credit; plus a $15k LOC
Total revolving credit reporting is 1%
Frequent Contributor
Posts: 264
Registered: ‎12-31-2013
0

Re: Can we have "OFFICIAL NFCU CLI - HOW IT WORKS!"

Sorry to hear :smileysad:.

 

DW got declined an increase.  They asked for income verification which was unavailable as she doesn't work atm.  Sent in tax forms and they said the information on those documents made them decide she wasn't eligible.  ::shrug:: LOL. 

 

Still love NFCU though :smileyhappy:

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.