Navy Federal CLI request

[Bigdaddy69]

Applied, instantly declined online for the auto refi no message of 3-5 days.

So I thought might as well take advantage of the hard pull that was wasted on the auto refi, and request a CLI got the 3-5 day message.

Myfico Eq score is 626.

Salary $110K per year.

Six accounts paid on time...

Utilization 54% will be under 9% when all balances post.

(1) baddy on my EQ report

Currently have a Navy Federal CC since 11/2012 zero balance.

I just don't get it

[j_casteel]

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@Bigdaddy69 wrote:

Applied, instantly declined online for the auto refi no message of 3-5 days.

So I thought might as well take advantage of the hard pull that was wasted on the auto refi, and request a CLI got the 3-5 day message.

Myfico Eq score is 626.

Salary $110K per year.

Six accounts paid on time...

Utilization 54% will be under 9% when all balances post.

(1) baddy on my EQ report

Currently have a Navy Federal CC since 11/2012 zero balance.

I just don't get it

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that sucks....be prepared to have 2 HPs since you submitted 2 requests. 1 for auto refi and 1 for CLI.

[09Lexie]

You might want to call and explain about your high util

[dodfire]

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@09Lexie wrote:
You might want to call and explain about your high util

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I agree...it is worth a shot!!

[dodgeball]

Lex loves hanging out with the NFCU crowd

[Bigdaddy69]

I spoke with a Navy Fed rep before applying and explained that my utilization will drop and score increase once the zero balances post on my CRA. She told me that payment history with Navy Fed is a major consideration, and credit score/utilization is a very small factor.

Can you recon even when the auto refi was a straight decline no manual review?

[09Lexie]

You didn't mention a bad payment history....is there?

[09Lexie]

@Dodgeball

Yes, I like all of you!

[Bigdaddy69]

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@09Lexie wrote:
You didn't mention a bad payment history....is there?

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Perfect payment history with Navy Federal.

The Santander auto loan (refered to as the devil) I am trying to refi does have lates from nine months ago.

Santander considers a loan late 10-days after the due date...

[09Lexie]

In that case, yes call and ask for the reason for denial. Then recon