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PL Denial / Recon / Approval!

SH21
Contributor

PL Denial / Recon / Approval!

This might be my favorite approval stemming from my post-closing app spree!

 

As I've commented on other threads, I have a PL from Payoff which is through First Tech Fed CU.  Payoff hasn't been the best to deal with (taking 3-6 weeks to apply payments correctly).  So I went on my FTFCU account and applied for a PL of the balance. 

I received an email saying "Thank you for loan application.  We are unable to approve your loan request at this time.  If you have additional information not provided on the initial application and would like the decision reconsidered, please contact us directly at -email- or -number-."  

I emailed back explaining my dissatisfaction with Payoff and that I'd prefer to pay them directly, included my current payment amount/rate, and also noted that my current Fico scores are ~100pts higher than when the loan was first issued. 

 

Received an email back stating the loan was approved!  They lowered the rate a little bit and extended the remaining term.  Smiley Happy

 

Editing to add:  and now I'm 100% in the GARDEN.

Message 1 of 8
7 REPLIES 7
AllZero
Super Contributor

Re: PL Denial / Recon / Approval!

Congratulations on your approval!
Message 2 of 8
Credit4Growth
Valued Contributor

Re: PL Denial / Recon / Approval!

Congrats on the PL recon  and lower rate!👍

 

20200916_080216.gif

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 3 of 8
blindambition
Community Leader
Senior Contributor

Re: PL Denial / Recon / Approval!

Congrats on the recon!! You did good with additional information for loan. 👏🏻 

Message 4 of 8
M_Smart007
Epic Contributor

Re: PL Denial / Recon / Approval!

Congratulations on your Approval..

Message 5 of 8
cashorcharge
Valued Contributor

Re: PL Denial / Recon / Approval!

That's terrific news! Congratulations!

Message 6 of 8
xiocc
Regular Contributor

Re: PL Denial / Recon / Approval!

Congrats on your recon approval!







Message 7 of 8
Loquat
Moderator

Re: PL Denial / Recon / Approval!

Congrats on the loan approval!
Message 8 of 8
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