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NFCU CLOC

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Established Member

NFCU CLOC

I put in for a CLOC the same day I applied for a CLI. I've got my CLI and have yet to hear back about the CLOC. It's been 2 days since the inital inquiry. Any thoughts would help, or situations similar.

 

Starting Score: 613
Current Score: 645
Goal Score: 720


Message 1 of 9
8 REPLIES 8
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Established Contributor

Re: NFCU CLOC

My CLOC was approved within two hours after going into review. In my experience taking longer than 24 hours have turned into denials. Good luck!!!

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016
AU:
Message 2 of 9
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Frequent Contributor

Re: NFCU CLOC

For my CLOC, I didn't hear back anything for a week, when I got a letter in the mail that said I need to verify my address.  After that it was smooth sailing. 

EQ Fico 8 - 807
TU Fico 8 - 804
EX Fico 8 - 781
As of 09/03/17
Message 3 of 9
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Valued Contributor

Re: NFCU CLOC

Patience is a virtue, plus it's a holiday weekend!

Message 4 of 9
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Valued Contributor

Re: NFCU CLOC

It just may be the process itself. It might be worth giving them a call.
                               

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


Message 5 of 9
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Established Member

Re: NFCU CLOC

You're all right, I'll cross that bridge wedneday if I haven't heard anything. I'm hoping I get approved, because this was my last HP before going into Gardening and working on the credit for the next two years.


Starting Score: 613
Current Score: 645
Goal Score: 720


Message 6 of 9
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Valued Contributor

Re: NFCU CLOC

Hope it works out for you! Maybe it is just something simple holding it up.
                               

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


Message 7 of 9
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Moderator

Re: NFCU CLOC

Hi there OP

 

I have combined both of your threads into one and removed the cross post from the General Credit Forum. Please refrain from doing this in the future it can lead to confusion by the members and its not in line with our TOS, thanks for your understanding on this.

Message 8 of 9
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Valued Contributor

Re: NFCU CLOC

I had waited around 5 days and did not hear anything so I stopped by a branch. Was told I was approved and the information I had to sign was in the mail. She was able to print the same information on the spot and I signed it, done!

 

My wife had the same experience except we went up on day 7 or 8. The teller pulled up her account printed the forms and she signed them right then.

The next day the original papers to sign arrived vial US Mail. So, it is a bit confusing how the status is listed, my bet the packet is in the mail.

Message 9 of 9
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