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NFCU cloc approval. 2nd time trying

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Established Contributor

NFCU cloc approval. 2nd time trying

So after dropping my util to under 1% and my fico 8 going to 700 on Equifax.  Figured my fico 4 is about 660.  

 

 I decided to give navy federal another try on the line  of credit.  Approved for full 15000. 

 

I opened my membership with nfcu April 1, 2015.  Applied then for cloc  Denied and recon denied.  Scores about 630 at the time.  

 

Today approved instantly. No documents required.    

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9 REPLIES 9
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Moderator Emeritus

Re: NFCU cloc approval. 2nd time trying

Congrats!

Message 2 of 10
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Super Contributor

Re: NFCU cloc approval. 2nd time trying

Congratulations on your success!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 3 of 10
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Valued Contributor

Re: NFCU cloc approval. 2nd time trying

Nicely done! Smiley Happy
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Valued Contributor

Re: NFCU cloc approval. 2nd time trying

Congrats on the comeback try success!
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


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Super Contributor

Re: NFCU cloc approval. 2nd time trying

not even the pre note?
i am on mobile so i don't see your desktop signatures
Message 6 of 10
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Established Contributor

Re: NFCU cloc approval. 2nd time trying

Didn't HV to provide poi I guess I should HV said.  Sorry bout that terror.  They sending me everything in mail to sign or I may just go by branch and sign.  I've got one about an hour away.

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Super Contributor

Re: NFCU cloc approval. 2nd time trying

oh gotcha. congrats Smiley Happy
i am on mobile so i don't see your desktop signatures
Message 8 of 10
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Senior Contributor

Re: NFCU cloc approval. 2nd time trying

Congratulations!

Keep both your credit and your body in top shape!


Message 9 of 10
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Established Contributor

Re: NFCU cloc approval. 2nd time trying

Congrats on your approval.  Working to improve your score did the trick.

 

I was turned down for a CLOC in December.  I had a Public Record on my report.  I got an EE from TU in February.  Last month they graduated my secured CC to unsecured.

 

It first you don't succeed try, try, again.

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