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Regular Contributor
Posts: 107
Registered: ‎07-09-2016

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!

Last HP: 30 JUNE [Garden for the rest of 2017]
Senior Contributor
Posts: 7,384
Registered: ‎04-23-2016
0

Re: NFCU CLOC

Big congrats Smiley Happy
Regular Contributor
Posts: 107
Registered: ‎07-09-2016
0

Re: NFCU CLOC


AverageJoesCredit wrote:
Big congrats Smiley Happy

Thank you so much!! 

Last HP: 30 JUNE [Garden for the rest of 2017]
Senior Contributor
Posts: 3,737
Registered: ‎11-11-2015

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- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Penfed Promise $25000- Cap1 Premier Dining $25000- NFCU Go Rewards $27100- Venture $27750 **As of 7/8/17** EX- 760(21) TU- 758(17) EQ- 752(13) UTI 5%- Clean Files-
Senior Contributor
Posts: 3,737
Registered: ‎11-11-2015

Re: NFCU CLOC

Congratulations BTW!

AMEX BCP $9000- DCU Platinum $10000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Penfed Promise $25000- Cap1 Premier Dining $25000- NFCU Go Rewards $27100- Venture $27750 **As of 7/8/17** EX- 760(21) TU- 758(17) EQ- 752(13) UTI 5%- Clean Files-
Regular Contributor
Posts: 115
Registered: ‎05-25-2016

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
Posts: 1,013
Registered: ‎07-10-2014
0

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
Posts: 3,737
Registered: ‎11-11-2015
0

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- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Penfed Promise $25000- Cap1 Premier Dining $25000- NFCU Go Rewards $27100- Venture $27750 **As of 7/8/17** EX- 760(21) TU- 758(17) EQ- 752(13) UTI 5%- Clean Files-
Regular Contributor
Posts: 107
Registered: ‎07-09-2016
0

Re: NFCU CLOC

[ Edited ]

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.   

Last HP: 30 JUNE [Garden for the rest of 2017]
Valued Contributor
Posts: 1,281
Registered: ‎03-01-2016

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 (5,000) ~ 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 (12,000)
Current Scores (7/8/17): 673 Transunion, 616 Equifax, 651 Experian

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