It should be an AR right now, right ?
@stinastina wrote:It should be an AR right now, right ?
They did one earlier this month but it's been a few weeks. I'm not sure how long is "too long" from the date to hope for a non-HP.
Next one is in Jan
@Fire6546 wrote:
They can ask for financial review for anything no matter the amount, I’ve never been asked for it and even just refinanced auto 32k through nfcu with no poi, however my wife just got a more rewards Amex and then tried to add 500.00 cloc and the cloc went to review for bank statements and paychecks, lol
That's true they can.
But from most DP's it's safe to ask for a CLI to $25,000 without POI.
I haven't been in the thread much but ARs are always done the end of every other month. It may show on your report the beginning of the month but eventually on your report it shows the actual date it was pulled. I just checked my eq and I don't see an AR from October at all or the first week in November for that matter.
@Pikaboo-icu wrote:
@stinastina wrote:It should be an AR right now, right ?
They did one earlier this month but it's been a few weeks. I'm not sure how long is "too long" from the date to hope for a non-HP.
Next one is in Jan
@stinastina wrote:I haven't been in the thread much but ARs are always done the end of every other month. It may show on your report the beginning of the month but eventually on your report it shows the actual date it was pulled. I just checked my eq and I don't see an AR from October at all or the first week in November for that matter.
@Pikaboo-icu wrote:
@stinastina wrote:It should be an AR right now, right ?
They did one earlier this month but it's been a few weeks. I'm not sure how long is "too long" from the date to hope for a non-HP.
Next one is in Jan
I thought for sure it was posted here a few weeks ago that it had been done.
Maybe the post was about scores updating.. IDK Brain damage..
It's odd months yes?
Sheesh..
Somebody that knows for sure when they pull & post will hopefully pop in.
I believe Maize has this down to a science. LOL
I just double checked and I had asked for a cli on my SIgnature at the beginning of October after the last AR (end of Spetember). I was going to ask again during the next AR (end of November) because I may have asked too early (before 6 months). They sure don't make it easy to keep track !
Here is a nice NFCU story..
My 21 YO Son wrecked his Navy financed car 5 weeks ago and didn't have GAP coverage. He ended up 2.5k underwater on the loan. It seems there had been a title issue since day one and his rate had gone up to 18% from 9% without him knowing (not opening mail) . They waited patiently until the title issue was solved and Geico paid what they had agreed to. Meanwhile, he was maxed and making minimum payments on a $1k NFCU Platinum, a $2.7k NFCU Amex and a $1k Discover IT card. His EQ FICO 09 was around 600...
I had a a talk with him and had him agree to let me hold onto his cards until he could pay them down informing him that he might not even get another loan from NFCU in his current state. He has disposable income... living at home etc. During the 4 weeks of making payments, he managed to pay his cards down to 68 - 78% from basically 100%. The last to be paid down was Discover and I had him call to request a mid-cycle report so it would coincide with his two NFCU statement dates. Everything reported last Wednesday... Friday I had him call NFCU to ask for a new loan. He asked for $12K and was approved, the $2.5k will be added to the total of whatever he ends up spending on the car, tax, title etc. His new rate 4.8% for 48 months with a 675 FICO score and 1 year of NFCU history.
Later that day, I had him check to see if he had any notices in his online account... Indeed he did, NFCU also gave him $1k CLI's on both NFCU CC's. From start to finish, NFCU was understanding, helpful and professional from the time of the accident through the approval of his new loan. I was on many of the calls due to the weirdness of the lost title by a now defunct auto dealership. Navy really stepped up and I think my Son learned a valuable lesson. (I still have his cards and we will work out some deal for him to start using them for only what he can afford with the goal being PIF!) Pretty cool huh?
