Re: NFCU cloc approval!

wantitgone · ‎09-14-2021

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 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.

Rebuild2019 · ‎09-14-2021

Congratulations 🎉🎊🍾 on your NFCU CLOC.

Adkins · ‎09-15-2021

@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 08-07-2023