cancel
Showing results for 
Search instead for 
Did you mean: 

Help with Navy LOC PLEASE!

tag
Anonymous
Not applicable

Re: Help with Navy LOC PLEASE!


@JustinS wrote:

@Anonymous wrote:

@Creditaddict wrote:

@Anonymous wrote:

Nervous, but I'll do it.  Smiley Happy

 

Is it best to call CSR, my advisor or do it online?


online!


Ok, did it.  Gave me a reference number and said decisions are usually made in an hour.  Think I'll throw up now! lol


Don't worry Navy is very nice and personable about everything. Heck I got a courtesy call today about my account and getting setup with access to it online. Told the rep I already had everything setup online for the website and she was like oh ok so you're all set and so forth. They so far are already impressing me because other banks do not do such polite outbound follow-ups to be sure you're not struggling with anything about the account/questions etc.

 

I doubt you run into any major problems and if you do they'll be right there to help anyhow. I know my NavCheck near instant approved for the full 15k without POI (unless the docs show something requesting info when I get them). CashRewards CC also approved within about an hour for 13k without POI as well. Clearly NFCU is not in the biz of hassling members at all.


Thank you for the support.  I'm so nervous.  Wonder when to check on it or do they send me a text/email?

Message 11 of 25
JustinS
Regular Contributor

Re: Help with Navy LOC PLEASE!


@Anonymous wrote:

@JustinS wrote:

@Anonymous wrote:

@Creditaddict wrote:

@Anonymous wrote:

Nervous, but I'll do it.  Smiley Happy

 

Is it best to call CSR, my advisor or do it online?


online!


Ok, did it.  Gave me a reference number and said decisions are usually made in an hour.  Think I'll throw up now! lol


Don't worry Navy is very nice and personable about everything. Heck I got a courtesy call today about my account and getting setup with access to it online. Told the rep I already had everything setup online for the website and she was like oh ok so you're all set and so forth. They so far are already impressing me because other banks do not do such polite outbound follow-ups to be sure you're not struggling with anything about the account/questions etc.

 

I doubt you run into any major problems and if you do they'll be right there to help anyhow. I know my NavCheck near instant approved for the full 15k without POI (unless the docs show something requesting info when I get them). CashRewards CC also approved within about an hour for 13k without POI as well. Clearly NFCU is not in the biz of hassling members at all.


Thank you for the support.  I'm so nervous.  Wonder when to check on it or do they send me a text/email?


They should be sending an email with a URL to their secure message area and you put in your information on there and it will let you see any messages they have for your account (including loan/loc/cc statuses etc).

Message 12 of 25
Anonymous
Not applicable

Re: Help with Navy LOC PLEASE!


@JustinS wrote:

@Anonymous wrote:

@JustinS wrote:

@Anonymous wrote:

@Creditaddict wrote:

@Anonymous wrote:

Nervous, but I'll do it.  Smiley Happy

 

Is it best to call CSR, my advisor or do it online?


online!


Ok, did it.  Gave me a reference number and said decisions are usually made in an hour.  Think I'll throw up now! lol


Don't worry Navy is very nice and personable about everything. Heck I got a courtesy call today about my account and getting setup with access to it online. Told the rep I already had everything setup online for the website and she was like oh ok so you're all set and so forth. They so far are already impressing me because other banks do not do such polite outbound follow-ups to be sure you're not struggling with anything about the account/questions etc.

 

I doubt you run into any major problems and if you do they'll be right there to help anyhow. I know my NavCheck near instant approved for the full 15k without POI (unless the docs show something requesting info when I get them). CashRewards CC also approved within about an hour for 13k without POI as well. Clearly NFCU is not in the biz of hassling members at all.


Thank you for the support.  I'm so nervous.  Wonder when to check on it or do they send me a text/email?


They should be sending an email with a URL to their secure message area and you put in your information on there and it will let you see any messages they have for your account (including loan/loc/cc statuses etc).


ok. So far no email.

Message 13 of 25
Anonymous
Not applicable

Re: Help with Navy LOC PLEASE!

Navcheck still says "pending review" so unsure if it's because tomorrow is a holiday or what. 

Message 14 of 25
Creditaddict
Legendary Contributor

Re: Help with Navy LOC PLEASE!


@Anonymous wrote:

Navcheck still says "pending review" so unsure if it's because tomorrow is a holiday or what. 


Might have to hang on until Friday Smiley Happy

Message 15 of 25
Anonymous
Not applicable

Re: Help with Navy LOC PLEASE!

Im sure you will be fine and approved!!!! Good Luck and im sure come Friday you will have GREAT news
Message 16 of 25
Anonymous
Not applicable

Re: Help with Navy LOC PLEASE!


@Creditaddict wrote:

@Anonymous wrote:

Navcheck still says "pending review" so unsure if it's because tomorrow is a holiday or what. 


Might have to hang on until Friday Smiley Happy


I had a voicemail to log into my account.  They are requesting 2 most recent pay stubs ( I can do that) and the most recent bank statement. (can't do that)  This was what I was afraid would happen. Smiley Sad

Message 17 of 25
Creditaddict
Legendary Contributor

Re: Help with Navy LOC PLEASE!

Why can't you do bank statement? Frozen or not you can't log in? What's it look like?
Message 18 of 25
Anonymous
Not applicable

Re: Help with Navy LOC PLEASE!

Maybe call and explain the situation about the bank statements......i would think all they would care about is the income to make sure you can pay it back.......I never understood why banks (or lenders) want to see bank statements.....is it because they want to see spending habits or are they asking for savings account statements to see if you have extra money saved up?. I know for my husband and I we use our checking for nothing but bills pretty much so at the end of the month there is no money left in it to show anyone! I havent applied for the LOC yet but im sure if you call NFCU they will be willing to work with you one way or another. Good Luck!

Another question is what if you dont have a bank account and thats why you applied to NFCU to open a checking account and then decide to app for the LOC what happens in that case. Or send in paystubs for both your DH and you but just send in your bank statements since you cant for DH? I dont know because I guess I dont understand what lenders are looking for when requesting bank statements. Definitely call and im sure it will get figured out.
Message 19 of 25
Creditaddict
Legendary Contributor

Re: Help with Navy LOC PLEASE!

I think they ask for the bank statement when someone is using hhi instead of just what would be displayed on pay stub to see if you have reasonable access to that money.
Worse case send just pay stubs and see if they process through without you saying anything
Message 20 of 25
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.