Could it be that the 6th time is the charm? My TU F09 score rose 146 points overnight as my last derog fell off. With so many denials over the last 2 years, I am leery. My last CLI was on 3/18/21.
Right now.
TU F09 = 843
DTI = <7%
INQ's last 12 = 2 (NFCU Denials)
Income to support 25k easily
Should I? To tell you the truth, I want a reward for this patience and 7 years of being unworthy.
Edited to add: Approved at $5k, Reconsideration message a success, SL raised to $25k
@M_Smart007 wrote:@spiritcraft1, What are you waiting for?
Thanks... you have consoled me after a few of these denials.. what the H, it's only an inquiry, it's only and inquiry, it's only...
Good God,
5K @ 9.65%
My Daughter received $25k two months ago, she is 19., makes 20% of what I do and her F09 is 75 points lower... Wow.
I sent them a nice secure message to reconsider the SL.
6 years of perfect history... just wow. What a let down.
Grats on your new navy card!
Has your daughter ever had derogs on file..... Even though your file may be clean their computers dont forget that you had them. Another thing I have noticed is the higher above 800 on the fico the more frequent the denials and/or lower SLs than what one has on file.
@spiritcraft1 wrote:Good God,
5K @ 9.65%
My Daughter received $25k two months ago, she is 19., makes 20% of what I do and her F09 is 75 points lower... Wow.
I sent them a nice secure message to reconsider the SL.
6 years of perfect history... just wow. What a let down.
@spiritcraft1, At least it is not $1K .. approval is better than denial.
Wishing you the best on reconsideration.
@M_Smart007 wrote:
@spiritcraft1 wrote:Good God,
5K @ 9.65%
My Daughter received $25k two months ago, she is 19., makes 20% of what I do and her F09 is 75 points lower... Wow.
I sent them a nice secure message to reconsider the SL.
6 years of perfect history... just wow. What a let down.
@spiritcraft1, At least it is not $1K .. approval is better than denial.
Wishing you the best on reconsideration.
Yes, but man I have treated NFCU right. I ran 3 mil through them on the business side over 4 years as well.... not one issue ever. Ah well. They love the DW and family but me, not so much. Await my next post... I am feeling much better!
@spiritcraft1, I know it is kind of a letdown
(You still have recon)
I think on the business side of Navy, they do not look at it for personal. (just a guess)
I have learned to temper my expectations when it comes to Starting Credit limits.
Again, Good luck on the recon .. I hope you knock it outta da park!