Navy Federal CLI is pending

[jazzyvar84]

Has anyone had experience with NF CLI results being pending. I’m hoping if it’s not automatic denial that they are going to offer me something! Jeez, I just took another hard pull for this! TU Credit score about 618. Never made a late payment. Have had card for six months.

[Anonymous]

Here's for hoping for a good outcome.  I believe NFCU uses EQ for CLI's and not TU.  

[M_Smart007]

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@Anonymous wrote:

Here's for hoping for a good outcome.  I believe NFCU uses EQ for CLI's and not TU.  

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I believe @Hasselfree is correct, TU For New Card, EQ for CLI's

[swpopham]

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@jazzyvar84 wrote:
Has anyone had experience with NF CLI results being pending. I’m hoping if it’s not automatic denial that they are going to offer me something! Jeez, I just took another hard pull for this! TU Credit score about 618. Never made a late payment. Have had card for six months.

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50/50 on the 7-10 day message. Id say with your score that low if its a real fico then its going to be a no. IMO

[Anonymous]

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@jazzyvar84 wrote:
Has anyone had experience with NF CLI results being pending. I’m hoping if it’s not automatic denial that they are going to offer me something! Jeez, I just took another hard pull for this! TU Credit score about 618. Never made a late payment. Have had card for six months.

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What is your utilization like? NFCU likes to see low util, low DTI across your profile.

[jazzyvar84]

It’s kind of high right now. I had some major medical bills come up. Uti is at 56% across the board and and 42% on NF card.

[FinStar]

If the CL remains unchanged when you check online in the next 24 hours then it's likely a decline OP, unfortunately.

[CreditInspired]

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@jazzyvar84 wrote:
It’s kind of high right now. I had some major medical bills come up. Uti is at 56% across the board and and 42% on NF card.

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Have you heard anything? Also, I agree w/Finstar, if you haven’t heard anything in 24 hrs, it’s probably a decline.

Also, your UT is way too high and I’m thinking it may be a decline due to high UT.

[jazzyvar84]

They declined. Lol. I even did two recons and basically begged them.

[CreditInspired]

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@jazzyvar84 wrote:
They declined. Lol. I even did two recons and basically begged them.

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So sorry. But I think if your bring your total aggregate UT to <28.9% and try again in 91 days, you may have some success.