change in income....nfcu approval?

soljaboy2013 · ‎09-08-2013

So just had temporary reduction in income 1600/mth which makes my dti high about 88%. Anyone know if I would still get approved for overdraft LOC from nfcu or should til more income? My TU fico is 697 and usaa exp is 689 with no baddies clean payment history.

10/17/14 MYFICO EXP: 705, EQ: 662, TRANS: 689, 10/06/14 WALMART T/U: 702, 9/18/14 USAA EXP: 748
TOTAL CREDIT: $90,850. GOAL: $100K

09Lexie · ‎09-08-2013

If its temp, can you wait to app?

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Brusilov · ‎09-08-2013

If you can I would wait until your income goes back to normal. The LOCs don't grow on their own and AFAIK require HPs for future CLIs so it's probably best to maximize the amount of credit you get from each.

If you are just looking for $500-2K to cover any accidental overdrafts for free then you probably would be OK. Wait and you'd likely get approved for $5,000+.