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NFCU CLOC DENIED... OH WAIT, APPROVED 7.5K

Frequent Contributor

NFCU CLOC DENIED... OH WAIT, APPROVED 7.5K

Ok, this is weird. So I applied for the CLOC last week, got denial letter two days ago. Oh well.
Fast forward to now. I just got home from work and opened my mail, and when I opened the envelope from NFCU it was the loan agreement for CLOC to sign and return!!! But wasn’t I just denied???? I called to ask some questions and the nice CSR was like “ is this in regards to your CLOC”? I told her I thought I was denied and she said she has no record of me being denied and it shows the amount at the 7,500 I had requested. Sweet.
Nice surprise to come home to, especially after getting a 9,400 CLI from Amazon earlier!!
And to think In May of this year I had ZERO available credit.
FICO8
5/17 EX 550 EQ 560 TU 555
11/17 EX 722 EQ 720 TU 746
Penfed promise 9K- Penfed PCR 1k - NFCU Cash Rewards 500 -NFCU CLOC 7.5k - NFCU Auto loan 22K - Walmart 10k- Dicks Rewards 10k- Credit One 500- PayPal2% MC 2K- Stash Hotel’s Visa 7.9K -Cheapo Air Visa 2.4k - Williams Sonoma 2.6k - Boscovs 4k -SPGV 4.5K - Amazon 10K- VS(FTW)1k - Fingerhut 1.3K- BP VISA 1K - Indigo 300
WAY TOO MANY INQ's
NO. MORE. APPS. NEED. GARDEN
Message 1 of 8
7 REPLIES
Frequent Contributor

Re: NFCU CLOC DENIED... OH WAIT, APPROVED 7.5K

Congrats on the unexpected approval!
Message 2 of 8
Frequent Contributor

Re: NFCU CLOC DENIED... OH WAIT, APPROVED 7.5K

Thanks man! Very very unexpected. I’m still so confused as to why I got a denial letter? Come to think, I got a denial letter for the CC also and that was approved over the phone. Weird stuff

FICO8
5/17 EX 550 EQ 560 TU 555
11/17 EX 722 EQ 720 TU 746
Penfed promise 9K- Penfed PCR 1k - NFCU Cash Rewards 500 -NFCU CLOC 7.5k - NFCU Auto loan 22K - Walmart 10k- Dicks Rewards 10k- Credit One 500- PayPal2% MC 2K- Stash Hotel’s Visa 7.9K -Cheapo Air Visa 2.4k - Williams Sonoma 2.6k - Boscovs 4k -SPGV 4.5K - Amazon 10K- VS(FTW)1k - Fingerhut 1.3K- BP VISA 1K - Indigo 300
WAY TOO MANY INQ's
NO. MORE. APPS. NEED. GARDEN
Message 3 of 8
Frequent Contributor

Re: NFCU CLOC DENIED... OH WAIT, APPROVED 7.5K

Don’t look a gift approval in the mouth! Take it and run!! :-)
Message 4 of 8
Frequent Contributor

Re: NFCU CLOC DENIED... OH WAIT, APPROVED 7.5K

Running like gump....🏃🏻

FICO8
5/17 EX 550 EQ 560 TU 555
11/17 EX 722 EQ 720 TU 746
Penfed promise 9K- Penfed PCR 1k - NFCU Cash Rewards 500 -NFCU CLOC 7.5k - NFCU Auto loan 22K - Walmart 10k- Dicks Rewards 10k- Credit One 500- PayPal2% MC 2K- Stash Hotel’s Visa 7.9K -Cheapo Air Visa 2.4k - Williams Sonoma 2.6k - Boscovs 4k -SPGV 4.5K - Amazon 10K- VS(FTW)1k - Fingerhut 1.3K- BP VISA 1K - Indigo 300
WAY TOO MANY INQ's
NO. MORE. APPS. NEED. GARDEN
Message 5 of 8
Frequent Contributor

Re: NFCU CLOC DENIED... OH WAIT, APPROVED 7.5K

Congrats! You should’ve asked for the full $15k 🤓
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 650 TU 663 EX 667 - February 18’'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge
Message 6 of 8
Frequent Contributor

Re: NFCU CLOC DENIED... OH WAIT, APPROVED 7.5K

@veloster thanks. I definitely should have asked. But being I was denied in August I didn’t want to push it.
FICO8
5/17 EX 550 EQ 560 TU 555
11/17 EX 722 EQ 720 TU 746
Penfed promise 9K- Penfed PCR 1k - NFCU Cash Rewards 500 -NFCU CLOC 7.5k - NFCU Auto loan 22K - Walmart 10k- Dicks Rewards 10k- Credit One 500- PayPal2% MC 2K- Stash Hotel’s Visa 7.9K -Cheapo Air Visa 2.4k - Williams Sonoma 2.6k - Boscovs 4k -SPGV 4.5K - Amazon 10K- VS(FTW)1k - Fingerhut 1.3K- BP VISA 1K - Indigo 300
WAY TOO MANY INQ's
NO. MORE. APPS. NEED. GARDEN
Message 7 of 8
Established Contributor

Re: NFCU CLOC DENIED... OH WAIT, APPROVED 7.5K


Chefduane wrote:
Ok, this is weird. So I applied for the CLOC last week, got denial letter two days ago. Oh well.
Fast forward to now. I just got home from work and opened my mail, and when I opened the envelope from NFCU it was the loan agreement for CLOC to sign and return!!! But wasn’t I just denied???? I called to ask some questions and the nice CSR was like “ is this in regards to your CLOC”? I told her I thought I was denied and she said she has no record of me being denied and it shows the amount at the 7,500 I had requested. Sweet.
Nice surprise to come home to, especially after getting a 9,400 CLI from Amazon earlier!!
And to think In May of this year I had ZERO available credit.

 

Chefduane congratulations on your successes! You've done very well in the last six months  

Message 8 of 8