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NFCU CLOC

Regular Contributor

NFCU CLOC

Hey credit peeps.  I just applied for $15k CLOC and was approved for the full amount!!  Couple of questions...  I have not gotten any alerts about a credit pull yet and nothing has shown up on my NFCU home page yet just, but I did get a text saying I was Approved as well.   How soon does it show up/ can I start using it? for those that have it.  Also, HOW do I use it?   Sorry, just really excited right now.  This means the end for Credit one for sure!

Ok credit, getting better.....slowly.... Can't seem to stay in the Garden for any extended period of time. I'm trying. Mid to upper 600's across the board.
11 REPLIES
Super Contributor

Re: NFCU CLOC

Big congrats Smiley Happy
Regular Contributor

Re: NFCU CLOC


AverageJoesCredit wrote:
Big congrats Smiley Happy

Thank you so much!! 

Ok credit, getting better.....slowly.... Can't seem to stay in the Garden for any extended period of time. I'm trying. Mid to upper 600's across the board.
Senior Contributor

Re: NFCU CLOC


JimBo99 wrote:

Hey credit peeps.  I just applied for $15k CLOC and was approved for the full amount!!  Couple of questions...  I have not gotten any alerts about a credit pull yet and nothing has shown up on my NFCU home page yet just, but I did get a text saying I was Approved as well.   How soon does it show up/ can I start using it? for those that have it.  Also, HOW do I use it?   Sorry, just really excited right now.  This means the end for Credit one for sure!


It won't show up on the accounts page until you recieve the docs. You will have to sign them and then mail, fax or send it through secure message. Once they get your signed docs you will see it on your accounts page within a day or two.

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $28750 **As of 11/16/17** EX- 762(13) TU- 760(12) EQ- 731(14) UTI 6%- Clean Files
Senior Contributor

Re: NFCU CLOC

Congratulations BTW!

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $28750 **As of 11/16/17** EX- 762(13) TU- 760(12) EQ- 731(14) UTI 6%- Clean Files
Regular Contributor

Re: NFCU CLOC

Congrats!
Nfcu will also send you a separate box of checks specifically for the Cloc. You can write the check out to yourself & deposit into another bank. What were your scores when approved? I applied & was approved for $5k back in October & I was thinking about requesting a cli.. not today but probably beginning of next month.
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
Established Contributor

Re: NFCU CLOC

CAn someone verify the PLOC (whats CLOC?) is not a HP?

EX 786
EQ 777
TU 779

All Chp7, Judgements , CO's now legally clean from scores low 600's just using this forum
Chase Amzn 8.5k , Citi BB 3k, Citi Gdyr 5K, Amzn Store 12k, SallieMae 12k Amex BCE 29k , PenFed Promise 40k@8+% +10k PLOC@10%, NFCU member
Senior Contributor

Re: NFCU CLOC


smarzig wrote:

CAn someone verify the PLOC (whats CLOC?) is not a HP?


NFCU- Checking Line of credit (CLOC) 

 

It is a HP

 

PLOC= Personal line of credit

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $28750 **As of 11/16/17** EX- 762(13) TU- 760(12) EQ- 731(14) UTI 6%- Clean Files
Regular Contributor

Re: NFCU CLOC


Mama_Pearl wrote:
Congrats!
Nfcu will also send you a separate box of checks specifically for the Cloc. You can write the check out to yourself & deposit into another bank. What were your scores when approved? I applied & was approved for $5k back in October & I was thinking about requesting a cli.. not today but probably beginning of next month.

My scores as of Feb 25 were:  TU - 678, EQ - 666,  EXP 645.  But my EXP is 658 today all Fico 8's according to CCT.  Not sure what Credit Bureau they used, as I've not gotten any HP alerts yet.  Thank you for the info as well.   

Ok credit, getting better.....slowly.... Can't seem to stay in the Garden for any extended period of time. I'm trying. Mid to upper 600's across the board.
Valued Contributor

Re: NFCU CLOC

Congrats on the awesome approval!! Even if you don't use it, it'll give some good padding once it starts reporting.

They normally pull EQ for their CLOC

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (15,000)
Current Scores (7/8/17): 682 Transunion, 648 Equifax, 673 Experian