Over the past month or so I've been playing with the Auto-luv at NFCU, trying to see where that magic number was that required a 3-5 day wait. After they instantly approved me for a 43k auto loan (of course it was a HP, why do you ask?LOL) I got really curious. I got up to 20k without any issues then the other day asked for 22k and got the dreaded 3-5 day message. I guess I found the magic number. LOL! It was approved with no additional documentation but I haven't checked to see if it was another HP or not.
What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board