Confusion: NFCU CLI After 90 Days + 3 Statements + AR?

[Anonymous]

Hi Guys,

Hopefully someone can offer some help

When requesting a CLI does the AR have to come AFTER the 90 days/3 statements or can the AR have occurred a few weeks prior to the 90 days?

In my case, my 3 statements occured around day 70, then the AR occured aorund day 75 (2/28/17), and now I'm on day 91 today and wondering if I should go for the CLI or would I have to wait for another AR since my 91 days came after the most recent AR?

Thanks a lot

[Anonymous]

From what I've read, I would choose the side of caution and wait for the next AR at the beginning of May

[Anonymous]

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@Anonymous wrote:

From what I've read, I would choose the side of caution and wait for the next AR at the beginning of May

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Agree with tigers here. Many people seem to be rushing to push that button the minute the AR and 90 days/ 3 statements is up, when the Navy Federal tidewaters seem to be going more in the direction lately of waiting 6 months for a CLI. Nothing is set in stone, and YMMV, but there does seem to be a trend emerging here. Best not to waste a HP if possible.

[washpadude]

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@Anonymous wrote:

Hi Guys,

Hopefully someone can offer some help

When requesting a CLI does the AR have to come AFTER the 90 days/3 statements or can the AR have occurred a few weeks prior to the 90 days?

In my case, my 3 statements occured around day 70, then the AR occured aorund day 75 (2/28/17), and now I'm on day 91 today and wondering if I should go for the CLI or would I have to wait for another AR since my 91 days came after the most recent AR?

Thanks a lot

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My experience in December '16 was 90 days and 3 statements equals a HP and a denial. I waited another 10 days for the AR and instant SP 1k to 12.5k. If you're concerned about a wasted HP, your best bet is to wait for the next AR.

[Anonymous]

My experience was 3 statements, AR, but only 88 days. SP denial and told to try again at the 6 months mark.