When I get home from work, I'm going to apply for a NFCU line of credit. I've held out for a lil bit in order for my EQ and TU scores to go up a few point. This is my credit picture right now:
EQ 660, TU 649, I have a Cap1 cc $20 balance/$750 CL, Orchard Bank cc $49 balance/$420 CL (had both cc since Sept '11, always on time and under %20 utilization)
Filed Chapt 7 in May '11/discharged August 15th '11. No baddies other than BK and 6 accounts associated with it. 4 inquiries since 9/2011. Income: 73k, Credit History: 17 years.
Based on this information and your experiences, can anyone give a prediction on what my outcome will be. Also, which card(s) should I apply for and would I have better luck calling it in or doing it online? Thanks in advance everyone, you all have been very helpful.
Starting Score: 502
GoodLuck! NFCU is awesome!
@Anonymous wrote:Hope all goes well.
If you get a "review" message after apping, remember that recon works wonders.
@lupiin, I just called. The lady said my app has been submitted and will be reviewed...3-5 biz day but call anytime for status.
@Everyone...In the event that the outcome is not in my favor. How do you request a "recon" and what does that process entails???
They do recons. When I was initially denied last year. I sent them a message online and attached my pay stubs. Within an hour I was approved for 2k. Now my cashrewards is 10K.
@Mellon wrote:They do recons. When I was initially denied last year. I sent them a message online and attached my pay stubs. Within an hour I was approved for 2k. Now my cashrewards is 10K.
@Mellon, in the event I get denied, how should I go about doing a recon? I want to prepare now just in case. I got a very strong feeling that I will get the nod but I'm scared of the unknown, LOL.
shoot them a message (via the online message center) explain why you want the card and attached pay statements. It worked for me