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Frequent Contributor
Posts: 355
Registered: ‎05-04-2017

Re: NFCU CLOC Approval

Thank you! Info definitely helps me out.
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 650 TU 644 EX 665 - October 17'
Goal Score: EX 750 TU 750 EX 750


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Regular Contributor
Posts: 213
Registered: ‎12-04-2015

Re: NFCU CLOC Approval

Hi,

 

I'm in the exact same boat.  Just got approved for the CLOC after being rejected in January 2015.  I also will use it for next year's tax bill.  It looks like I didn't get a hard pull on it.  Too bad, I had applied for a high interest discover loan and was denied before applying for the CLOC which I didn't think I'd get.  I've piled up the hard pulls due to car purchase, attempt to buy a home, renting an appartment and my loan apps.  Still score is around 740.  NFCU is great.  A bennie for being a disabled vet.

Frequent Contributor
Posts: 355
Registered: ‎05-04-2017
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Re: NFCU CLOC Approval

Congrats! Did you get the full $15k or did they counter you with another amount? NFCU is definitely great!
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 650 TU 644 EX 665 - October 17'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge
Regular Contributor
Posts: 213
Registered: ‎12-04-2015

Re: NFCU CLOC Approval

I was instantly approved for the 15K @13.9%.  The paperwork arrived today and I sent it right back.  No checks arrived.

Frequent Contributor
Posts: 355
Registered: ‎05-04-2017
0 Kudos

Re: NFCU CLOC Approval

Nice! I got the checks about 5 to 7 days after they got the paperwork back and processed it.
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 650 TU 644 EX 665 - October 17'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge
Community Leader
Senior Contributor
Posts: 5,591
Registered: ‎07-12-2012
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Re: NFCU CLOC Approval


VelosterBEAR wrote:
Scores are in my signature but my AAoA is 1 year and 3 months, UTIL is 21%, and I probably had about 15 inquiries.

Remember that if you don't set up a mobile signature, there is nothing in your signature when someone is viewing on mobile

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
735 EQ FICO 09/2017
744 TU FICO 09/2017
737 EX FICO 09/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Frequent Contributor
Posts: 355
Registered: ‎05-04-2017

Re: NFCU CLOC Approval

Ahh... that would explain why I never see mine from when I login through my laptop.

Quick score update is that I am EQ 644, TU 641, and EX 666!
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 650 TU 644 EX 665 - October 17'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge
New Member
Posts: 5
Registered: ‎09-20-2017
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Re: NFCU CLOC Approval

Congratulations! All the best)

Community Leader
Senior Contributor
Posts: 5,591
Registered: ‎07-12-2012
0 Kudos

Re: NFCU CLOC Approval

Great job not giving up when you weren't approved for the full amount at first. Congrats on the full $15k!!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
735 EQ FICO 09/2017
744 TU FICO 09/2017
737 EX FICO 09/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Frequent Contributor
Posts: 355
Registered: ‎05-04-2017

Re: NFCU CLOC Approval

Thanks! I figured I was better off not accepting it and asking again once I built up some history. Just glad that it paid off!
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 650 TU 644 EX 665 - October 17'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge

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