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UPDATED Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

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Creditobsessed12
Frequent Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

Should I call regarding the CLOC status? I still have not heard back and online says still in review.
11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board Smiley Happy
Message 31 of 42
jdxprs1
Frequent Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

Cant hurt to try
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 32 of 42
Creditobsessed12
Frequent Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

They said I was declined! Wow but approved for the CC? I'm lost 😭
11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board Smiley Happy
Message 33 of 42
CreditCuriosity
Moderator Emeritus

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)


@Creditobsessed12 wrote:
They said I was declined! Wow but approved for the CC? I'm lost 😭

PLOC/CLOC's are usually tougher to get than CC's although surpised Navy declined your CLOC with your scores which is kinda suprising.  Grats on your CC approval though

Message 34 of 42
Creditobsessed12
Frequent Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)


@CreditCuriousity wrote:

@Creditobsessed12 wrote:
They said I was declined! Wow but approved for the CC? I'm lost 😭

PLOC/CLOC's are usually tougher to get than CC's although surpised Navy declined your CLOC with your scores which is kinda suprising.  Grats on your CC approval though


Thank you!  I am grateful because I wasn't expected such a high SL.

 

The status of the CLOC still show as under review.  Maybe there's hope?  LOL

11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board Smiley Happy
Message 35 of 42
Anonymous
Not applicable

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

Congrats on the HUGE cc SL..........NFCU is one awesome place to be...they have a great reputation. Give 'em a few mos and the CLOC will be yours too.

Message 36 of 42
Anonymous
Not applicable

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

Congrats on the huge SL!!! NavyFed is awesome

Message 37 of 42
Creditobsessed12
Frequent Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

It looks like they pulled EQ for the CLOC and that's my lowest score. They pulled TU for the CC. It's so annoying because my files are literally identical. I don't understand why EQ is so much lower. I hope they don't take back the CC SL. 😞
11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board Smiley Happy
Message 38 of 42
jdxprs1
Frequent Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

They won't. Just wait a month and try again or go for another card.
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 39 of 42
Creditobsessed12
Frequent Contributor

Re: Should I join NFCU or wait? Help! (WENT FOR IT AND OMG - IN SHOCK)

Update!!! I called twice about the CLOC and no luck. Then I decided to do what someone else here said that they did in the past. I reapplied with a rep (they used the same pull since it was within 30 days) with a lower limit of 5k and I was approved! I just got the confirmation text! My original request was for 15k. It's crazy to me how they wouldn't just give me the counter. It doesn't make any sense!
11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
02/15 EQ 643 TU 627 EX 669 03/05/2015 EQ 708 TU 744 EX 707
05/2017 EQ 659 TU 676 EX 683
Goal: 700s across the board Smiley Happy
Message 40 of 42
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