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Recently appd to finance a differnt vehicle with current trade in, denied. As a result, I appd to refinance my current vehicle. Denied.
I had just gotten approved for a 20,000 credit limit so I figured my chances were good. Got a letter saying my internal score is a 330 out of 100-450. Exp: 577 Trans: 600 Equ: 610. 0 collections, 0 utilization, 2 closed past due loans of 1k. So I sent them a secured message asking for reconsideration. They responded with:
"In order to be considered for an appeal to your recently declined loan application, a new application must be entered for a second review. To expedite the appeals process, please submit the request by speaking with a Consumer Loans Specialist. A written appeal is not needed. Please visit your nearest Navy Federal branch during regular business hours or call our Contact Center at -----. Follow the prompts for Consumer Lending and ask to speak with a Consumer Loans Specialist. ........"
I called them and spoke to a consumer loans specialists and he said to send proof or documentation to this email ---------. then to call back and request a appeal and they'll do another app.
What? Can anyone with experience related to this help please.
Just out of curiousity, what was the reason for the denial?
NFCU does weird things sometimes. They denied me for a CLOC, then a month or so later I refinanced my truck and was approved after they pulled a carfax and hit my TU.