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NFCU cloc approval!

wantitgone
Contributor

NFCU cloc approval!

So I've been with Navy since May 2019, a couple months after filing my BK. I've made other posts about my timeline but recent events included being approved for a Flagship card for 12.1k five months ago alongside them refinancing my vehicle a month before that.

 

I recently started a new job with a direct deposit. Only been there a month, but previously self-employed, and last night decided to apply for a CLOC! I never overdraw my account, just wanted to see if they would let me have a CLOC as they've denied me once in the past.

 

I asked for 1k in the later evening and received a text saying I had been approved by 7 am this morning!! I was pretty surprised, honestly, I thought they'd just offer me $500. I do not know my current FICO score, I am sure I will find this info when they send me in the mail, but they did pull TU for the CLOC. I will update if/when I have that information, but pretty excited at how much love NFCU has given me in the last two years!

 

ETA: My TU was 680 at time of approval.

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 06/25/21 ~~ EQ: 669, TU: 659, EX: 664 (9/18)
FICO 9 on 05/27/21 ~~ EQ: 678, TU: 665, EX: 696

NFCU CLOC $1,000

Apple Card 1,500
Credit One Amex $1500
Williams Sonoma $1,250
NFCU CashRewards $2500
NFCU Flagship $12100
PenFed Pathfinder $10,000
Ollo Rewards Mastercard $1,700
Amazon Store Card (Synchrony) $1500
Paypal Credit $550

EQ FICO 9 from NFCU on 09/03/21: 678
AAoA: EQ - 7y11mo, TU - 7y11mo, EX - 5yr3mo (as of 05/27/21); INQ are 3 EQ, 4 TU, and 2 EX.

Auto Refinance with NFCU (04/29/2021): 16.7k for 4.79%/48 months

My DPs: as of mid-August 2021, I am full-time employed, ~35k/year (change from 1099 worker, still doing that part-time), 1 private student loan and 2 federal consolidated loans plus 2 new student loans (about $82k total), had perfect payment history with 0 derogs until 90 day lates prior to filing BK. Burned Sync (Carecredit, Newegg), Discover IT, Cap 1 (2 cards), Chase (2 cards), Barclays, Comenity (Wayfair) and Target.
Message 1 of 4
3 REPLIES 3
Rebuild2019
Established Contributor

Re: NFCU cloc approval!

Congratulations 🎉🎊🍾 on your NFCU CLOC.

CARDS: Discover It | QuickSilver One | Kohl’s | BBT Spectrum Cash Rewards | BBT Bright | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 2 of 4
Adkins
Mega Contributor

Re: NFCU cloc approval!


@wantitgone wrote:

So I've been with Navy since May 2019, a couple months after filing my BK. I've made other posts about my timeline but recent events included being approved for a Flagship card for 12.1k five months ago alongside them refinancing my vehicle a month before that.

 

I recently started a new job with a direct deposit. Only been there a month, but previously self-employed, and last night decided to apply for a CLOC! I never overdraw my account, just wanted to see if they would let me have a CLOC as they've denied me once in the past.

 

I asked for 1k in the later evening and received a text saying I had been approved by 7 am this morning!! I was pretty surprised, honestly, I thought they'd just offer me $500. I do not know my current FICO score, I am sure I will find this info when they send me in the mail, but they did pull TU for the CLOC. I will update if/when I have that information, but pretty excited at how much love NFCU has given me in the last two years!


Congratulations! 

Last HP 08-24-2021



Message 3 of 4
BrownSugah66
Regular Contributor

Re: NFCU cloc approval!

Congratulations! Thanks for sharing!








Message 4 of 4
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