Official NFCU CLI Guide

[Rhaeny]

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@Sitori wrote:
When it's under review, or you get the 3-5 day message, what does that mean exactly? What are doing in the process? are they reviewing credit reports? Contacting people for verification purposes? Looking over your banking history with them? I'm curious as to what they do when they say they need to review or give u the wait message.

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Well first it means a HP !

Then yea they are just manually reviewing it.  Exactly what they are doing I'm not sure, but usually it comes back within in a shorter time than the 3 to 5 days.  If they want something else from you they will send you a message.  When you login just check your messages and respond right then.

[Rhaeny]

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@Brusilov wrote:

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@Brusilov wrote:

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@Rhaeny wrote:

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@Brusilov wrote:

Probably a simple question but for NavChek is there a CLI request option in the menus somewhere or do you need to call?  Or can you ask via secure messaging?  I only recently signed up and asked for the modest $5K.  

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You request a CLI on NavCheck by selecting the option to apply for a LOC.  After you get into that link it will ask you if you want an increase or new loan.

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Thanks, I gave that a try and requested $15,000.  I got the message that it's under manual review and that usually a decision is made within 1 hour.  So...fingers crossed!

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Wooooo!!!! Doing the happy dance this morning.  Approved for the full amount of $15,000! 

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Woooohooooo!!! That is awesome!! NFCU rocks!!

[Sitori]

Lol oh man. You guys are making it REALLY hard for me to wait until the end of the month to apply for membership.

[Rhaeny]

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@Sitori wrote:
Lol oh man. You guys are making it REALLY hard for me to wait until the end of the month to apply for membership.

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What are you waiting for?

[Anonymous]

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@Rhaeny wrote:

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@Sitori wrote:
Lol oh man. You guys are making it REALLY hard for me to wait until the end of the month to apply for membership.

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What are you waiting for?

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+1

@ Sitori, I was nervous when I applied for one of their CC's last month. What eased my anxiety was people below 600 getting nice CL's and my EQ FICO was 634. Well, I took a chance and got approved for $10K last month. Mind you I had 2 collections from 08' that totalled less then $1K. YMMV, but it's something to think about.

[Rhaeny]

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@Anonymous wrote:

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@Rhaeny wrote:

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@Sitori wrote:
Lol oh man. You guys are making it REALLY hard for me to wait until the end of the month to apply for membership.

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What are you waiting for?

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+1

@ Sitori, I was nervous when I applied for one of their CC's last month. What eased my anxiety was people below 600 getting nice CL's and my EQ FICO was 634. Well, I took a chance and got approved for $10K last month. Mind you I had 2 collections from 08' that totalled less then $1K. YMMV, but it's something to think about.

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+10000000000000000000000

Go for it Sitori.  It really doesn't matter with NFCU.

[Sitori]

Wooooww LOL. That is SO exciting.

I'm waiting because I just paid off my amazon card, and paid my discover way down. I was trying to get my UTL down to under 10%, plus I am waiting to ask for a CLI with my discover after my 6th statement hits on the 17th.

Im thinking with my UTL way down, and a CLI on my discover, it may give me a boost in my FICOs.

THEN I am going to apply. Lol

[madmann26]

With your scores the way they are now,

W-T-F are you waiting for?

With a 598 CS I was given a $3k limit.

NFCU doesn't care about inq. If you think your util is to high, it's not.

[Sitori]

Hahaha. I have 8 inq's from last year. My AAoA is only one year. My UTL last time I checked was around 17%. And I just closed my FP card which I'm pretty sure hasn't shown as closed yet?

I don't know...I guess I am thinking once all my new accounts hit the 6th month mark, my CL increases, my UTL is down and that stupid first premier is closed, then my chances will be much better than now. I was hoping to get my EQ to 700 before I applying.

[madmann26]

With your scores the way they are right now, I would suspect a $15K + approval.

I'm at $10k now with a 646.