I applied for a Navy Fed CLOC last night, since my Equifax score was optimal (738 for EQ9) went into review said they needed more information but said they'd look at length of membership, direct deposit, military status, etc. - and I was approved for $500. I asked for $8,000 not sure why approval was so low, as my income is $72K for 2019. Not sure if I should recon yet or just wait to see if it grows. I guess I'm happy it wasn't a waisted HP. Got nervous but APPROVED. I love NAVY FED!!!!