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Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

NFCU

App'd with NFCU since they had promos for this past week...and BOOM locked in 3.9% APR...Man I love NFCU!

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: NFCU

Congrats!!!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012

Re: NFCU

Congrats!  I just became a member there and can't wait until my bk is discharged!  I hear they are very bk friendly. 

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
New Visitor
cardinal-77
Posts: 2
Registered: ‎07-21-2008

Re: NFCU

I just completed a short sale after company relocation to other state forced sale. NFCU held mortgage. I was completly cooperative with them. All other loans with NFCU paid in full or current (3 autos current).  After closing, NFCU closed my savings account and is prohibiting me from making loan payments in usual and customary way. There slogan is once a customer, always a customer only applies so long as they are making money off of you. This is true of all financial, not just NFCU. ME, I' am going to straight cash. No mortgage, no car notes, nothing.

Super Contributor
CS800
Posts: 6,547
Registered: ‎04-07-2008

Re: NFCU

Not a bad deal with teh $400 'cashback'




Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: NFCU


CS800 wrote:

Not a bad deal with teh $400 'cashback'


I did a vehicle refi with them in march and got $250 cash back... wonderful deal!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010

Re: NFCU

Like many CUs, NFCU cross-secures everything.  Also, some lenders that are generous with limits and credit are the most rutyhless if you don't hold up your side of the deal.  If they lost money on your short sale you are probably going to be phased out as a customer as your loans are retired.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: NFCU

Ive heard that they are ruthless and never forget if you burn them...

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge

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