Hi all, so happy I couldn't wait to post so I'm posting from my phone.
So, i applied for NFCU membership and NFCU cash rewards on April 1. Double HP for TU. Got 24 hour review message. Next day I was declined. Called same day for info/recon under guise of other questions and was told nothing could be done via phone and should wait to appeal after receiving reason for denial via mail. I was so impatient I immediately sent a polite secure message stating I understand their concern and speculated the reason for denial to be recent inquiries and prior bankruptcy. I stated my recent inquiries were for products to help me rebuild and I did not plan to keep them long term. I explained I was hoping to establish a line of credit with NFCU for the long term and would be happy with any limit (no limit too small) as I am focused on rebuilding and aging my current tradelines.
Anyway, received approval message just now (APril 4). Limit 4600 and to expect card within 7 business days. Other details not known.
Stats I am aware of off the top of my head:
- TU 606 and EQ 625 as of march 19-20. Should have been about 21% uti at that time on one account. Not sure what it was on April 1. Possible it was under 9%.
- 4 revolving accounts opened since December with total available at 1,800.
-6 inquiries on TU and 4 on EQ
-1 late payment august or September of 2015. I can never remember.
-ch 7 bankruptcy discharge Jan 2015
-income 50k
I am so excited I was approved, And blown away by the limit. Looking forward to growth over time. Thank you NFCU, looking forward to our relationship.
12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757
Nice to see a recon actuaaly work. Nice limit, you should have a battleship on your next cli request