topic Re: Pre-approval with NFCU...They approved me!! in Rebuilding Your Credit

Pre-approval with NFCU...They approved me!!

favored12 — Wed, 24 Oct 2012 03:34:52 GMT

I couldn't freakin believe it!! I've been with NFCU since 2010 but I mainly use them for savings. I applied for the rewards card back in May and got denied. I started cleaning up my credit in July so it's been about three months now. My score is slowly inching up but still nowhere near ready to apply for big purchases. Yesterday, I got the pre-approval for NFCU in the mail yesterday and got antsy. I decided to go for it and applied online with the code offer. I got a message saying they would review and have a decision within 24 hrs. I checked back this morning and to my surprise I my pending status had changed to approved!!! Then I opened the message and it stated congratulations-based on your credit worthiness you've been approved for NFCU cash rewards card with a credit limit of $10,000!!!! I had to log out and back in to make sure I was reading it right!! I'm so excited and greatful for the opportunity to rebuild especially after getting denied so many times in the past. My scores are really low and I'm not sure which bureau they pulled from but I don't care! LOL! I'm hoping to master this utilization tool so that I can get these scores boosted and ready for home ownership!

Re: Pre-approval with NFCU...They approved me!!

LIGHTNIN — Wed, 24 Oct 2012 03:53:33 GMT

Congrats to YOU! ! !

Re: Pre-approval with NFCU...They approved me!!

Shogun — Wed, 24 Oct 2012 04:53:40 GMT

Wow! Congrats to you. Gotta love NFCU. I'm trying to get in myself.

Re: Pre-approval with NFCU...They approved me!!

Elcid89 — Wed, 24 Oct 2012 04:56:02 GMT

favored12 wrote:
I couldn't freakin believe it!! I've been with NFCU since 2010 but I mainly use them for savings. I applied for the rewards card back in May and got denied. I started cleaning up my credit in July so it's been about three months now. My score is slowly inching up but still nowhere near ready to apply for big purchases. Yesterday, I got the pre-approval for NFCU in the mail yesterday and got antsy. I decided to go for it and applied online with the code offer. I got a message saying they would review and have a decision within 24 hrs. I checked back this morning and to my surprise I my pending status had changed to approved!!! Then I opened the message and it stated congratulations-based on your credit worthiness you've been approved for NFCU cash rewards card with a credit limit of $10,000!!!! I had to log out and back in to make sure I was reading it right!! I'm so excited and greatful for the opportunity to rebuild especially after getting denied so many times in the past. My scores are really low and I'm not sure which bureau they pulled from but I don't care! LOL! I'm hoping to master this utilization tool so that I can get these scores boosted and ready for home ownership!

Congratulations! I switched all of my primary banking to NFCU many years ago for precisely this reason - they take care of their customers.

Now, treat them right, and they'll be there for you whenever you need them.

Re: Pre-approval with NFCU...They approved me!!

princechristian — Tue, 13 Nov 2012 21:13:23 GMT

Hey what were your scores at the time? And since have you discovered which score they used? Thanks!

Re: Pre-approval with NFCU...They approved me!!

favored12 — Tue, 13 Nov 2012 21:28:50 GMT

They only pulled TU and at that time I was at 589. I've been direct depositing in a savings account with them since 2010 so not sure if that helped but it could have.

Re: Pre-approval with NFCU...They approved me!!

Jutz — Tue, 13 Nov 2012 21:37:48 GMT

That does it. I'm enlisting...

Congrats on your new card OP, NFCU does it again!

Re: Pre-approval with NFCU...They approved me!!

Jutz — Tue, 13 Nov 2012 21:39:08 GMT

On a serious note, is there a national CU that is as remotely good as NFCU, or is that pretty much it? I've heard DCU is decent.

Re: Pre-approval with NFCU...They approved me!!

favored12 — Tue, 13 Nov 2012 21:46:06 GMT

Lol Jutz! I'm not sure but I do hear alot on the boards about USAA and PSECU

Re: Pre-approval with NFCU...They approved me!!

madmann26 — Tue, 13 Nov 2012 21:50:48 GMT

Congrats!!

Re: Pre-approval with NFCU...They approved me!!

Jutz — Tue, 13 Nov 2012 21:56:36 GMT

favored12 wrote:
Lol Jutz! I'm not sure but I do hear alot on the boards about USAA and PSECU

USAA is still military and PSECU is just PA!

I'm going to look for a roommate on Craigslist. Must have: Good credit, Naval or other Military Experience, Extra couch a plus?

Re: Pre-approval with NFCU...They approved me!!

madmann26 — Tue, 13 Nov 2012 21:57:51 GMT

Jutz

You can get in to USAA as a basic member.

Re: Pre-approval with NFCU...They approved me!!

Jutz — Tue, 13 Nov 2012 22:01:12 GMT

I'll have to look into that, thanks.

Re: Pre-approval with NFCU...They approved me!!

princechristian — Tue, 13 Nov 2012 22:04:49 GMT

favored12 wrote:
They only pulled TU and at that time I was at 589. I've been direct depositing in a savings account with them since 2010 so not sure if that helped but it could have.

589!? Wow. Good job! What was your transunion score when you were declined last time???

Re: Pre-approval with NFCU...They approved me!!

favored12 — Tue, 13 Nov 2012 22:08:59 GMT

I'm not sure what it was back then. That was before I knew how to take care if credit unfortunately:(

Re: Pre-approval with NFCU...They approved me!!

princechristian — Tue, 13 Nov 2012 22:11:34 GMT

Elcid89 wrote:
favored12 wrote:
I couldn't freakin believe it!! I've been with NFCU since 2010 but I mainly use them for savings. I applied for the rewards card back in May and got denied. I started cleaning up my credit in July so it's been about three months now. My score is slowly inching up but still nowhere near ready to apply for big purchases. Yesterday, I got the pre-approval for NFCU in the mail yesterday and got antsy. I decided to go for it and applied online with the code offer. I got a message saying they would review and have a decision within 24 hrs. I checked back this morning and to my surprise I my pending status had changed to approved!!! Then I opened the message and it stated congratulations-based on your credit worthiness you've been approved for NFCU cash rewards card with a credit limit of $10,000!!!! I had to log out and back in to make sure I was reading it right!! I'm so excited and greatful for the opportunity to rebuild especially after getting denied so many times in the past. My scores are really low and I'm not sure which bureau they pulled from but I don't care! LOL! I'm hoping to master this utilization tool so that I can get these scores boosted and ready for home ownership!
Congratulations! I switched all of my primary banking to NFCU many years ago for precisely this reason - they take care of their customers.

Now, treat them right, and they'll be there for you whenever you need them.

FICO scores: 819 (EQ) 815 (EX) 803 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k

Where I want to be in 24 months! Haha! Good job buddy!

Re: Pre-approval with NFCU...They approved me!!

princechristian — Tue, 13 Nov 2012 22:13:34 GMT

favored12 wrote:
I'm not sure what it was back then. That was before I knew how to take care if credit unfortunately:(

Ah, I've been trying to follow your clean up effort. Is there a short version of what you have been able to 'clean up' since then??

Re: Pre-approval with NFCU...They approved me!!

favored12 — Tue, 13 Nov 2012 22:18:42 GMT

Wow really? I feel special! I still feel new so I'm careful only to comment on my experiences with everything. Thats why i don't have many posts. I need to figure out how to do the blog or maybe a rebuild thread so I can keep track too. Guess I should search the boards for that info:)

Re: Pre-approval with NFCU...They approved me!!

princechristian — Tue, 13 Nov 2012 22:28:53 GMT

favored12 wrote:
Wow really? I feel special! I still feel new so I'm careful only to comment on my experiences with everything. Thats why i don't have many posts. I need to figure out how to do the blog or maybe a rebuild thread so I can keep track too. Guess I should search the boards for that info:)

Indeed!