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Navy Federal CLI is pending

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Established Member

Navy Federal CLI is pending

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.
9 REPLIES 9
Valued Contributor

Re: Navy Federal CLI is pending

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

Message 2 of 10
Valued Contributor

Re: Navy Federal CLI is pending


@Hasselfree wrote:

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


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

Message 3 of 10
Established Contributor

Re: Navy Federal CLI is pending


@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.

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

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 4 of 10
Frequent Contributor

Re: Navy Federal CLI is pending


@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.

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



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: August 1, 2019: EX 674 TU 697 EQ 689
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

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Message 5 of 10
Established Member

Re: Navy Federal CLI is pending

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.
Message 6 of 10
Moderator

Re: Navy Federal CLI is pending

If the CL remains unchanged when you check online in the next 24 hours then it's likely a decline OP, unfortunately.
Message 7 of 10
Community Leader
Senior Contributor

Re: Navy Federal CLI is pending


@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.

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.

GOALS: Garden til APR 2020 and 800 Club



JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 8 of 10
Established Member

Re: Navy Federal CLI is pending

They declined. Lol. I even did two recons and basically begged them.
Message 9 of 10
Community Leader
Senior Contributor

Re: Navy Federal CLI is pending


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

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. 

GOALS: Garden til APR 2020 and 800 Club



JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 10 of 10
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