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Navy CLOC (3k) and Macy’s ($500) approvals

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Established Member

Navy CLOC (3k) and Macy’s ($500) approvals

Closed on house yesterday and decided to put in a few apps. Macy's $500 limit (had to call in to verify name, etc); Navy CLOC asked for 10k got 3k; tried for American Airlines Citibank visa ( they kept sending me those preapproval codes so against my better judgement I went for it) got denied. Reason was "a delinquent credit obligation was reported."  I have a paid charge off from April 2018 and student loans lates from Oct-Dec 2019 and 2018. Pulled Equifax and Transunion. Scores were 655 and 647.  Super happy about the Navy Approval. That's 2 credit cards (20k and 1500k limits) and a 3k CLOC with Navy since June.

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17 REPLIES 17
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Super Contributor

Re: Navy CLOC and Macy’s approval

Congratulations on your approvals!

Message 2 of 18
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Established Member

Re: Navy CLOC and Macy’s approval

@AllZero @Thank you.

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New Contributor

Re: Navy CLOC and Macy’s approval

Congrats on your approvals!

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Established Member

Re: Navy CLOC and Macy’s approval

@dudefromtx @Thank you.

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Epic Contributor

Re: Navy CLOC (3k) and Macy’s ($500) approvals

Congratulations!

popcorn eating emoticon.gif

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Established Member

Re: Navy CLOC (3k) and Macy’s ($500) approvals

@M_Smart007 @Thank you.

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Valued Contributor

Re: Navy CLOC (3k) and Macy’s ($500) approvals

Congratulations on your approvals!



Current FICO 8:

Credit Age:

Inquiries:

Goal Cards:


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Established Member

Re: Navy CLOC (3k) and Macy’s ($500) approvals

@CreditAggie @Thank you.

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Valued Contributor

Re: Navy CLOC (3k) and Macy’s ($500) approvals

@TC1212 Congrats on your approvals! Set your 31 day alarm, then sit back and watch that Macy's blossom into a 5 digit credit line! 

As for Citi, you will get them next time. Freeze your reports and give your scores a chance to recover. You got this! 

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
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