NFCU CLOC Help

[UncleB]

I'm sorry it didn't turn out the way you wanted.

It's YMMV, but most of the counter-offer reports I've read are older... it seems that more recently if someone goes for the full $15k and is turned down they have to reapply for a lower amount. 

You will probably want to wait for the letter to see exactly why you were turned down first, though... then you can get your plan of attack ready. 

[aikam]

I was initially denied for a NFCU CLOC but, had it overturned after I requested a RECON for a lower amount. They used the same report and did not pull my report again. Your scores and credit appear to be much better than mine. I say call in and give it a shot. You can always request an increase at a later date. In addition to requesting a lower amount over the phone, I followed up my with an e-message on NFCU's website. I highly recommend you reference Credit Addict's original thread (first page) about the process.

[Anonymous]

My utilization is 2%, I got a call from a member advisor today, we had a good conversation about the CLOC. For whatever reason, they denied this particular product, without a counter. He suggested to apply for one of their CC's. So I proceeded with that, that was instantly approved. Lol go figure 🤔

[Anonymous]

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@Anonymous wrote:
My utilization is 2%, I got a call from a member advisor today, we had a good conversation about the CLOC. For whatever reason, they denied this particular product, without a counter. He suggested to apply for one of their CC's. So I proceeded with that, that was instantly approved. Lol go figure 🤔

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Seems like they want history with you first then ease into the CLOC. Like a spouse lol one slow step at a time NFCU is old fashion they like to play things safe. LoL well I should be going now