NFCU

[Shawndoe79]

Navy Fed sent me an application in the mail to apply for CLOC.  Does this have any merit to it, or is it just marketing?  Didnt say anything about a pre approval or no invitation code or anything, just some brochures and application to apply.  I did apply back in November after 2 statements and was denied, so just curious.  any ideas would be appreciated.

[Anonymous]

Sounds like it's just marketing.

[Shawndoe79]

my thoughts exactly, thanks

[Creditaddict]

now with bk over 1 year and your scores over 650 i think you are good to try again... but just apply online not with paper mail in app.

but maybe in this case I would apply for say $5k instead of the full $15k... if they do end up approving the full $5k once you get it activated online you can go in and request cli to $15k.

[Shawndoe79]

CA now you are getting me trigger happy lol. Maybe I'll wait til after the AR at the end of the month 

[Creditaddict]

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@Shawndoe79 wrote:

CA now you are getting me trigger happy lol. Maybe I'll wait til after the AR at the end of the month 

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AR has no effect on CLOC since they always HP

[Shawndoe79]

Oh ok what version do they pull for Transunion or is it Equifax?

[Creditaddict]

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@Shawndoe79 wrote:

Oh ok what version do they pull for Transunion or is it Equifax?

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it's a toss up.

I see more EQ here in CA

my friends app last week was EQ

[Shawndoe79]

ok and do you know if its fico 08 or something else?

[Creditaddict]

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@Shawndoe79 wrote:

ok and do you know if its fico 08 or something else?

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i believe so.