https://ficoforums.myfico.com/t5/Personal-Finance/NFCU-Debt-Consolidation-loan/m-p/5268665#M24042 Good Day!<BR /><BR />I recently released Credit freeze from EX and submitted personal loan app for 3k. It was immediately declined saying I did not met their criteria to be approved. Not sure denial is related Credit freeze or denied due to Credit. I called in and spoke with a very nice representative. Said I could appeal the decision and request Debt Consolidation loan. He asked questions about income/salary, name of creditors and would payback via automated transfer or would I manually submit payment on dd. I gave brief explanation and said I’m not opposed to automatic transfer from checking 2 days prior to dd. He asked me to hold and came back and said your due date would be July 17th and what date would I like the payment to be transfer to be transferred. I opted for 7/12. In my mind, if my loan request will be under review after appeal submission, why would due dates and my preference on coming into bank or check or through mail.<BR /><BR />Has anyone received loan from NFCU? Did they ask these questions surrounding due dates and how would you pay back and how would you prefer to receive funds?<BR /><BR />I could be overthinking but by him asking these questions gave me hope or so I think.<BR /><BR />Thx Sun, 10 Jun 2018 17:08:16 GMT empressj 2018-06-10T17:08:16Z https://ficoforums.myfico.com/t5/Personal-Finance/NFCU-Debt-Consolidation-loan/m-p/5268665#M24042 Good Day!<BR /><BR />I recently released Credit freeze from EX and submitted personal loan app for 3k. It was immediately declined saying I did not met their criteria to be approved. Not sure denial is related Credit freeze or denied due to Credit. I called in and spoke with a very nice representative. Said I could appeal the decision and request Debt Consolidation loan. He asked questions about income/salary, name of creditors and would payback via automated transfer or would I manually submit payment on dd. I gave brief explanation and said I’m not opposed to automatic transfer from checking 2 days prior to dd. He asked me to hold and came back and said your due date would be July 17th and what date would I like the payment to be transfer to be transferred. I opted for 7/12. In my mind, if my loan request will be under review after appeal submission, why would due dates and my preference on coming into bank or check or through mail.<BR /><BR />Has anyone received loan from NFCU? Did they ask these questions surrounding due dates and how would you pay back and how would you prefer to receive funds?<BR /><BR />I could be overthinking but by him asking these questions gave me hope or so I think.<BR /><BR />Thx Sun, 10 Jun 2018 17:08:16 GMT https://ficoforums.myfico.com/t5/Personal-Finance/NFCU-Debt-Consolidation-loan/m-p/5268665#M24042 empressj 2018-06-10T17:08:16Z https://ficoforums.myfico.com/t5/Personal-Finance/NFCU-Debt-Consolidation-loan/m-p/5269209#M24047 <P>I don't know the answers to your questions, but really appreciate your posting it. I will be following this thread for responses from members.&nbsp;</P> Mon, 11 Jun 2018 11:59:08 GMT https://ficoforums.myfico.com/t5/Personal-Finance/NFCU-Debt-Consolidation-loan/m-p/5269209#M24047 Anonymous 2018-06-11T11:59:08Z