So after dropping my util to under 1% and my fico 8 going to 700 on Equifax. Figured my fico 4 is about 660.
I decided to give navy federal another try on the line of credit. Approved for full 15000.
I opened my membership with nfcu April 1, 2015. Applied then for cloc Denied and recon denied. Scores about 630 at the time.
Today approved instantly. No documents required.