topic Re: NFCU CLOC Requesting Documents in Personal Finance

NFCU CLOC Requesting Documents

CivalV — Fri, 27 Mar 2020 22:18:36 GMT

Just wondering if this is a bad sign? I applied for an NFCU CLOC and after 2 hours I recieved a message stating I need to submit proof of address? EQ was pulled already so I am crossing my fingers right now.

Re: NFCU CLOC Requesting Documents

Gmood1 — Fri, 27 Mar 2020 22:37:04 GMT

They could have just denied you.

Much easier than asking for proof of address. You'll be fine.

Re: NFCU CLOC Requesting Documents

CivalV — Fri, 27 Mar 2020 22:49:18 GMT

That is true! Thank you!

Re: NFCU CLOC Requesting Documents

AllZero — Fri, 27 Mar 2020 23:20:24 GMT

Good luck on your application!

Re: NFCU CLOC Requesting Documents

CivalV — Fri, 27 Mar 2020 23:32:30 GMT

Thank you! I am really hoping for some good news with everything going on right now

Re: NFCU CLOC Requesting Documents

M_Smart007 — Sat, 28 Mar 2020 00:49:05 GMT

Good Luck OP ... I hope to hear good news soon!

Re: NFCU CLOC Requesting Documents

Anonymous — Sun, 29 Mar 2020 08:41:27 GMT

@CivalV wrote:
Just wondering if this is a bad sign? I applied for an NFCU CLOC and after 2 hours I recieved a message stating I need to submit proof of address? EQ was pulled already so I am crossing my fingers right now.

I wanna say I had to provide something else like that with my CLOC, but I honestly don't recall. It's better than a straight up denial, but still doesn't guarantee anything.

Re: NFCU CLOC Requesting Documents

CivalV — Thu, 09 Apr 2020 22:21:06 GMT

Unfortunately my application was denied based on the short amount of time I have had my NFCU membership opened for. At least my score was good enough. I will try again in a few more months.

Re: NFCU CLOC Requesting Documents

AllZero — Thu, 09 Apr 2020 22:23:53 GMT

That's unfortunate. Hopefully, once your membership ages you'll have better odds of approval.

Re: NFCU CLOC Requesting Documents

CivalV — Thu, 09 Apr 2020 22:35:18 GMT

Thank you! I totally understood the denial. I am glad they were extremely clear as to why it was denied. Patience will def help me in the long run! The rebuild never stops. almost 3 years and counting.

Re: NFCU CLOC Requesting Documents

AllZero — Thu, 09 Apr 2020 23:06:22 GMT

@CivalV. When do you plan for the Jeep lease?

Do you have any open installment loan?

Navy does 5 year SSL. Which may help drive up internal score but may lower your AAoA. Plus, SSL may be redundant once you get the lease.

Re: NFCU CLOC Requesting Documents

CivalV — Thu, 09 Apr 2020 23:08:58 GMT

I currently do not have an open installment loan. My last installment loan was self lender. Sorry but what is an SSL?

Re: NFCU CLOC Requesting Documents

AllZero — Thu, 09 Apr 2020 23:22:32 GMT

Navy SSL is similar to self lender but a whole lot better.

I would recommend reading the below from CreditGuyInDixie
Adding an installment loan -- the Share Secure technique
The Quest for an SSL alternative to Alliant

NFCU SSL