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Nfcu cloc recon?

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CreditGuy03
Established Contributor

Nfcu cloc recon?

Anyone been successfully doing a recon with a navy line of credit after a denial? 

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019
Message 1 of 7
6 REPLIES 6
Creditaddict
Legendary Contributor

Re: Nfcu cloc recon?


@CreditGuy03 wrote:

Anyone been successfully doing a recon with a navy line of credit after a denial? 


usually you just submit app again for lower amount.

Do you have a credit card with them?

Do you know denial reasons?

Message 2 of 7
MakeItAMudLight
Frequent Contributor

Re: Nfcu cloc recon?


@Creditaddict wrote:

@CreditGuy03 wrote:

Anyone been successfully doing a recon with a navy line of credit after a denial? 


usually you just submit app again for lower amount.

Do you have a credit card with them?

Do you know denial reasons?


I'm trying to help my dad rebuild.  He applied for $5K and was declined with a 611 score.  Should he try to rapply and just ask for $500?

Message 3 of 7
Anonymous
Not applicable

Re: Nfcu cloc recon?

im curious. were you able to recon this? or what did you do?

Message 4 of 7
MakeItAMudLight
Frequent Contributor

Re: Nfcu cloc recon?


@MakeItAMudLight wrote:

@Creditaddict wrote:

@CreditGuy03 wrote:

Anyone been successfully doing a recon with a navy line of credit after a denial? 


usually you just submit app again for lower amount.

Do you have a credit card with them?

Do you know denial reasons?


I'm trying to help my dad rebuild.  He applied for $5K and was declined with a 611 score.  Should he try to rapply and just ask for $500?


I'd just reapply for the $500.  That's what I did.  Should be the same pull if it's been less than thirty days.  

Message 5 of 7
Anonymous
Not applicable

Re: Nfcu cloc recon?

they approved it?

Message 6 of 7
MakeItAMudLight
Frequent Contributor

Re: Nfcu cloc recon?


@Anonymous wrote:

they approved it?


They did and then three months later I asked for the full increase and got it.  

Message 7 of 7
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