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Denied CC from Navy Federal die to debt to Income Ratio

JayFi
Member

Denied CC from Navy Federal die to debt to Income Ratio

Has anyone had any success appealing the decision or should I just try to improve my situtation and try again in 6 months to a year?

Message 1 of 4
3 REPLIES 3
AverageJoesCredit
Community Leader
Mega Contributor

Re: Denied CC from Navy Federal die to debt to Income Ratio

If you give more info on your current situation you will get better responses . As it stands not much to go on. If Navy claims its your dti, its your dti. The only way to improve your chances are by lowering your dti. 

Message 2 of 4
blindambition
Community Leader
Senior Contributor

Re: Denied CC from Navy Federal die to debt to Income Ratio

More info needed. Are you carrying high balances on multiple card. Scores on TU 9? Derogs?

Navy has done recon on some profiles that are strong enough.

Message 3 of 4
gingerflower
Valued Contributor

Re: Denied CC from Navy Federal die to debt to Income Ratio

@JayFi 

My experience with Nfcu 9 years is whenever you get a decision that states due to DTI denial Nfcu will not reconsider the application.  Imo, I would try to lower my debt then reapply in 6 months or a year. Sorry for your denial. 

Message 4 of 4
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