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Valued Contributor
Posts: 2,076
Registered: ‎07-17-2013
0

GOT IN WITH NFCU TODAY!!!

Omg!! I'm soooo happy right now!!! I just got accepted for membership this afternoon!! Approved instantly over the phone with the rep, no additional information needed!! He set me up with all my numbers etc... And my debit card and membership packet is on it's way!! Let the continued rebuild begin!!! Ill keep everyone posted on my relationship with them, and new approvals in the future! So happy!!!:smileyhappy:
(BK7 d/c:08/19/13~FICO-400's)---> EQ 640,EX 666,TU 657
3 major cc/ 8 retail cc= $47,300 avail credit; plus a $15k LOC
Total revolving credit reporting is 1%
Frequent Contributor
Posts: 297
Registered: ‎02-24-2013
0

Re: GOT IN WITH NFCU TODAY!!!

Congrats! I was really happy I found a way in too just in July. I app'd for a cc and was pre-approved for another. Once I buy my house I'm going for the LOC and increases on both cards then maybe a car loan.

Starting Score: TU 489 EQ 561 EX unknown (2/24/2013)
Current Score: TU 647 EQ 627 EX 607 (7/05/2013) Lender Pulls ; MYFICO (10/11/2013) EQ 719, TU 679, EX 659 ; MYFICO (11/13/13) EQ 702, TU 660, EX 676 ; Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


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Regular Contributor
Posts: 160
Registered: ‎04-04-2013
0

Re: GOT IN WITH NFCU TODAY!!!

Good luck pizza
 Cap1 1500.00, CU card 800.00, express 250, nrewards 2500.00, VS 500.00, quicksilver 1500.00, BML 500.00, CB Loan 1000.00

Starting Score: 553
Current Score: 630
Goal Score: 650


Take the myFICO Fitness Challenge

 Pre BK score: 565 (Credit-Infonet)
Filed Bk : 3/26/13
Scores: TU 591, EQU 579 EXP 516
BK D/C: 6/21/2013
Post Clean up Scores: TU 569, EQU 553 EXP 587
New Accounts
6/28 Capital One $300.00
7/ Fp $700.00
9/11 Express Retail Charge $250.00
10/28/13- nfcu nrewards $500.00
Valued Contributor
Posts: 2,076
Registered: ‎07-17-2013
0

Re: GOT IN WITH NFCU TODAY!!!

Thank you guys so much!! I'm very excited to start my journey with them! :smileyhappy:
(BK7 d/c:08/19/13~FICO-400's)---> EQ 640,EX 666,TU 657
3 major cc/ 8 retail cc= $47,300 avail credit; plus a $15k LOC
Total revolving credit reporting is 1%
Regular Contributor
Posts: 160
Registered: ‎04-04-2013
0

Re: GOT IN WITH NFCU TODAY!!!

I signed up for their checking/savings in july really didnt need it but i wanted to start a relaionship with them so i ouke reap the benefits of the future. This forum really rocks
 Cap1 1500.00, CU card 800.00, express 250, nrewards 2500.00, VS 500.00, quicksilver 1500.00, BML 500.00, CB Loan 1000.00

Starting Score: 553
Current Score: 630
Goal Score: 650


Take the myFICO Fitness Challenge

 Pre BK score: 565 (Credit-Infonet)
Filed Bk : 3/26/13
Scores: TU 591, EQU 579 EXP 516
BK D/C: 6/21/2013
Post Clean up Scores: TU 569, EQU 553 EXP 587
New Accounts
6/28 Capital One $300.00
7/ Fp $700.00
9/11 Express Retail Charge $250.00
10/28/13- nfcu nrewards $500.00
Regular Contributor
Posts: 124
Registered: ‎07-01-2013
0

Re: GOT IN WITH NFCU TODAY!!!

What are the advantages of the NFCU ? My dad was retired Navy and I just got off the phone with them and they say I qualify to join with my Dad's information. All be in my name but with his service and his retirement it makes his children eligible to join. She did way upon joining it will do a hard credit pull but just the once but gosh I hate losing those points as I have 763 on Experian and 758 on Transunion and 717 on Eq and just had a bracket jump that cost me 7 points. She said it was so worth it with car loans, mortagages and CC rates and CL with them. 

 

Should I do this or not ? I am looking to buy a house in the next 3-6 months and I need every point i can get. Lender has already told me that as long as middle number is 740 I am good to go. Only thing holding me back now is income but I hope to get that inline soon and get the property I live on as it has 900 in rental income but I can not count it until it has been mine or paid to me for 1 year. 

Starting FICO Score 2007: >> >> 533 -- God those were some Dark Days !!
Current >>>> 10-07-2013 - (Experian 780 - (Equifax 760 ) - ( Transunion 772 )
FICO Goals: 780 For all 3 or above
Ultimate Fico 800 - 850 :
Frequent Contributor
Posts: 297
Registered: ‎02-24-2013
0

Re: GOT IN WITH NFCU TODAY!!!

NFCU is generous when it comes to credit limits that is why everyone loves them. There is a very large thread about them on the credit card forum. If you are app'ing for a home in six moths I say wait til after closing then jump on board. With your scores you may easily get cc with 25k and LOC for max of $15k.

However NFCU is HP happy. They may have HP me just for this reply. Lol

Good luck!

Starting Score: TU 489 EQ 561 EX unknown (2/24/2013)
Current Score: TU 647 EQ 627 EX 607 (7/05/2013) Lender Pulls ; MYFICO (10/11/2013) EQ 719, TU 679, EX 659 ; MYFICO (11/13/13) EQ 702, TU 660, EX 676 ; Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 1,764
Registered: ‎07-12-2012
0

Re: GOT IN WITH NFCU TODAY!!!


CAnNY wrote:
NFCU is generous when it comes to credit limits that is why everyone loves them. There is a very large thread about them on the credit card forum. If you are app'ing for a home in six moths I say wait til after closing then jump on board. With your scores you may easily get cc with 25k and LOC for max of $15k.

However NFCU is HP happy. They may have HP me just for this reply. Lol

Good luck!


You better go check now haha..

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
696 EQ FICO 01/2015
686 TU FICO 01/2015
678 EX FICO 01/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $6k Barclay Arrival WEMC | $5k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Member
Posts: 15
Registered: ‎11-04-2013
0

Re: GOT IN WITH NFCU TODAY!!!

congrats pizza,

you guys have given me hope.

im 3 weeks away from discharge and also got in with navy federal today through my room mate.

I hope to start gardening soon after i get my final discharge

Discharged 12/02/13
scores as of 12/11/13
EX 608 EQ 618 TU 620

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