NFCU Line of Credit Application

[baller4life]

Navy Federal Credit Union. The largest cu in the country. And they ROCK!

[Anonymous]

Do you have a suggestion as to what I should ask for in the recon? I know a lower line, but how much? Any advice will be greatly appreciated!!!!!

Or have I waited too late to recon?

[Anonymous]

Are the things they listed in their reply valid? What are you doing to correct, delete, or GW those accounts to spruce up your credit profile? 

[Anonymous]

It read: 

After careful review and consideration we are unable to approve your request for the following reasons:
INCOME INSUFFICIENT FOR AMOUNT OF CREDIT REQUESTED
DELINQUENT PAST OR PRESENT CREDIT OBLIGATIONS WITH OTHERS

Your credit score: 608
Date : 07/02/15
Scores range from a low of 334 to a high of 818
Key factors that adversely affected your credit score:

38-SERIOUS DELINQUENCY AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED
18-NUMBER OF ACCOUNTS WITH DELINQUENCY
13-TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
20-LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD/COLLECTION IS TOO SHORT

Friday I logged in and applied again but instead for just a $5,000.00 Overdraft Line of Credit  rather than the full amount since the denial letter stated that my income was not sufficient for the full amount.

The status still says Review In Process...