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Regular Contributor
Eyisila
Posts: 175
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
Creditaddict
Posts: 20,823
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- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
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
63 Cards and Counting :smileytongue:
Regular Contributor
Eyisila
Posts: 175
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
Creditaddict
Posts: 20,823
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- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
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
63 Cards and Counting :smileytongue:
Regular Contributor
Eyisila
Posts: 175
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
Eyisila
Posts: 175
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

Contributor
mossmanb5
Posts: 207
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 qksilver1- 1500 / 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- 350 / boa secured- 500 / emblem- 200 / fingerhut- 2800 / dillards - 300 / pay pal sc -800 / jcp - 400 / lowes - 300 / gettington - 350 / kohls - 300 / carecredit - 6000 / carcareone - 600 / sams club sc - 700 / usbank sec 500/ gamestop sc 500

available credit is 56,250
ex fico= 660, tu fico= 662, eq fico= 614, ck= score 587 / vantage score 790
Epic Contributor
Creditaddict
Posts: 20,823
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- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
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
63 Cards and Counting :smileytongue:
Valued Contributor
pizza1
Posts: 1,461
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
BK 7 D/C: 08/19/13~FICO-400's---> 09/14~EQ 659,EX 641,TU 650
3 major cc/ 8 retail cc= $34,850 avail credit, plus a $15k LOC
Total revolving credit reporting is 1%
Frequent Contributor
Jarnog
Posts: 255
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:


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