Congratulations @heather
You messed around and almost have me in tears over, cut that out, girl😃
Anyway as to your issue about the CC vs the LOC
It happens... the CC department is separate from the loan department (which vets the LOC) and they run a different type CR and use different guidelines.
Did you recon .... because the LOC apps are vetted by human UWers, you might just explain you're rebuilding and would like to at least establish ANY kind of LOC, as you look forward to moving more if your banking to NFCU
Anyway you get it.... even if it gets reconned to $500 or $1000 you're in and can request an increase in a few months (with increases ALWAYS ask for the max 15k and they'll either approve or counter, if at all possible)
Welcome to the family
Congratulations again
PS If you have them throw 2 paystubs in with your recon request, it can be done via chat/email
Good Luck, let us know!
You messed around and almost have me in tears over, cut that out, girl😃
Anyway as to your issue about the CC vs the LOC
It happens... the CC department is separate from the loan department (which vets the LOC) and they run a different type CR and use different guidelines.
Did you recon .... because the LOC apps are vetted by human UWers, you might just explain you're rebuilding and would like to at least establish ANY kind of LOC, as you look forward to moving more if your banking to NFCU
Anyway you get it.... even if it gets reconned to $500 or $1000 you're in and can request an increase in a few months (with increases ALWAYS ask for the max 15k and they'll either approve or counter, if at all possible)
Welcome to the family
Congratulations again
PS If you have them throw 2 paystubs in with your recon request, it can be done via chat/email
Good Luck, let us know!