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Navy keeps saying I'm prequalified but denies me?

visualfxpro
Regular Contributor

Re: Navy keeps saying I'm prequalified but denies me?

NFCU just denied me. I'm at 1% utiliazation. Just went $2k-$4k on Amazon CLI. I have 5 cards and very high income with ZERO debt (minus the $106 that has not been updated to zero yet. 3 inquiries on my file, 12 months ago was last one. Charge off paid in full but still on my file but I provided proof of payment. 2 lates in last 6 months due to autopay failure.

May 2022: TU Fico 8: 692 | EQ Fico 8: 713 | EX Fico 8: 708
NFCU Flagship Rewards $25,000 | Capitol One $750 | TD Bank $1000 | Bank of America $3000 | Wells Fargo $500 | Amazon $4000

Charge Off from 2015: Municipal Credit Union $5300 ($6500 limit)[PAID IN FULL]
Credit Age: 4 years | Inquiries (6/12/24 month): 12 mo | Debt to Income ratio: 10%
Message 11 of 12
OmarGB9
Community Leader
Super Contributor

Re: Navy keeps saying I'm prequalified but denies me?


@visualfxpro wrote:

NFCU just denied me. I'm at 1% utiliazation. Just went $2k-$4k on Amazon CLI. I have 5 cards and very high income with ZERO debt (minus the $106 that has not been updated to zero yet. 3 inquiries on my file, 12 months ago was last one. Charge off paid in full but still on my file but I provided proof of payment. 2 lates in last 6 months due to autopay failure.


@visualfxpro, this thread is over a year old. If you wish to talk about your denial, please start your own thread.


Last App: 12/27/2021
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Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 12 of 12
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