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Finally NFCU CLOC APPROVED!

Established Contributor

Finally NFCU CLOC APPROVED!

Applied 4 times since membership opened in July 2016, finally got an approval today .. only asked $5000... BK 7 discharged 12/2015... does anyone know how I can send in the documents online??

Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 1 of 38
37 REPLIES
Valued Contributor

Re: Finally NFCU CLOC APPROVED!

Congrats to you, kobe! Hubby sent his two documents by scanning them, and then by email.  Worked perfectly. Smiley Happy

Message 2 of 38
Senior Contributor

Re: Finally NFCU CLOC APPROVED!

Congrats Kobe , my fiance and I plan to app for it also again in the next week . I think we will only ask for 5k maybe 7 but not max, my fiancé was denied the first try back I'm July and we haven't tried again since then . Do you mind sharing your data pts ?
Message 3 of 38
Established Contributor

Re: Finally NFCU CLOC APPROVED!

Thanks guys!!! My utilization is @22% ..I have low limit cards... 24 inquiries on EQ... I think 7 or 8 from NFCU ... equifax myfico score is @649 ... I'm hoping for a cli on my cash rewards .. still sitting @$500.. maybe like 5 or 6 new accounts in 5 months


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 4 of 38
Senior Contributor

Re: Finally NFCU CLOC APPROVED!

Thanks Kobe that gives me hope , I was denied CLI in Nov , my card is still at 500 SL too , my profile is now clean compared to what it was when approved but my scores seem to be stuck around 650s . Same for my fiancé , we never had BK though, I think alot of the reason they are not approving me for a CLI is bc I'm a Stay at home mom, so I use my household income which is my Fiance's , we have several joint accts together so I can prove it also . IDK i have kinda given up on them
Message 5 of 38
Regular Contributor

Re: Finally NFCU CLOC APPROVED!

My data point few days ago must have pushed you to apply again? Lol.. Congrats!
BK7 discharged 4-6-16
VentureOne $5500 | NFCU cash rewards $7500 | NFCU CLOC $12000 | NFCU GoRewards $1000 | Discover IT secured $200 | Walmart store card $3500 | Amazon prime $3500 | 76 gas card $2000 | CareCredit $6000 | Target $800 | Kohl's $700 | VS $1750 | Express $1750 | Wayfair $2100 | Overstock $1850
Message 6 of 38
Established Contributor

Re: Finally NFCU CLOC APPROVED!


Mama_Pearl wrote:
My data point few days ago must have pushed you to apply again? Lol.. Congrats!

Hahaha, yes!! I just had to wait to make sure my payments reflected on my report... happy New Years to everyone!!!


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 7 of 38
Regular Contributor

Re: Finally NFCU CLOC APPROVED!

Who did they pull you , May I Ask? 

☞ in the garden since 10/23/16☜

FS8 (06/28/17) ★EXP:812★TU:811★EQ:809★
★ Total Credit Line ☛ 358K ★ Utilization ☛ 1% ★
Message 8 of 38
Established Contributor

Re: Finally NFCU CLOC APPROVED!


SuPeRxCaC wrote:

Who did they pull you , May I Ask? 


Equifax for CLOC AND CLI in CA... TU for new credit card 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 9 of 38
Established Contributor

Re: Finally NFCU CLOC APPROVED!


Aduke1122 wrote:
Thanks Kobe that gives me hope , I was denied CLI in Nov , my card is still at 500 SL too , my profile is now clean compared to what it was when approved but my scores seem to be stuck around 650s . Same for my fiancé , we never had BK though, I think alot of the reason they are not approving me for a CLI is bc I'm a Stay at home mom, so I use my household income which is my Fiance's , we have several joint accts together so I can prove it also . IDK i have kinda given up on them

Don't lose hope, you'll get an approval soon! Are you applying for cli after the AR ?


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 10 of 38