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How to join NCFU and rebuild as a civilian the right way

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Anonymous
Not applicable

Re: How to join NCFU and rebuild as a civilian the right way


@Takasniper wrote:
Okay so they confirmed they received my paperwork. If and when they approve me should I try to apply for a NFCU credit card right away or garden the account for awhile? My thoughts if they pulled my credit for the account I might as well use the same pull for a credit card?
Thoughts?

Navy never re-uses pulls - new app = new pull, even if they happen on the same day

Message 211 of 527
Scupra
Super Contributor

Re: How to join NCFU and rebuild as a civilian the right way


@Anonymous wrote:

@Takasniper wrote:
Okay so they confirmed they received my paperwork. If and when they approve me should I try to apply for a NFCU credit card right away or garden the account for awhile? My thoughts if they pulled my credit for the account I might as well use the same pull for a credit card?
Thoughts?

Navy never re-uses pulls - new app = new pull, even if they happen on the same day


Yep, and they will HP you just for this post (just kidding obviously)

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 212 of 527
Takasniper
Valued Member

Re: How to join NCFU and rebuild as a civilian the right way

Thank you for the reply. Should I go ahead and apply or garden with them for awhile?
Message 213 of 527
Scupra
Super Contributor

Re: How to join NCFU and rebuild as a civilian the right way


@Takasniper wrote:
Thank you for the reply. Should I go ahead and apply or garden with them for awhile?

What are your stats?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 214 of 527
Houstonrocket
New Member

Re: How to join NCFU and rebuild as a civilian the right way

Thank you!  Success on getting account, credit card, and checking line of credit.  Refinance car loan is next.  

 

 

Message 215 of 527
Guyatthebeach
Valued Contributor

Re: How to join NCFU and rebuild as a civilian the right way


@Houstonrocket wrote:

Thank you!  Success on getting account, credit card, and checking line of credit.  Refinance car loan is next.  

 

 


Congratulations! I'm using NFCU for savings and the Visa for now. I'm very impressed overall with the way I was treated with NFCU.

 

 

Message 216 of 527
Anonymous
Not applicable

Re: How to join NCFU and rebuild as a civilian the right way

Do you must have two forms of ID? I only have my DL. 

Message 217 of 527
Guyatthebeach
Valued Contributor

Re: How to join NCFU and rebuild as a civilian the right way


@Anonymous wrote:

Do you must have two forms of ID? I only have my DL. 


You can use your social security card.

Message 218 of 527
Anonymous
Not applicable

Re: How to join NCFU and rebuild as a civilian the right way

 

I am assuming the $25 e-membership is the correct one to choose. I just want to double check. Thanks. 

 

Screen Shot 2016-07-29 at 10.38.31 AM.png

 

 

Message 219 of 527
Anonymous
Not applicable

Re: How to join NCFU and rebuild as a civilian the right way


@Anonymous wrote:

 

I am assuming the $25 e-membership is the correct one to choose. I just want to double check. Thanks. 

 

Screen Shot 2016-07-29 at 10.38.31 AM.png

 

 


I believe that is the one most people are using.

Message 220 of 527
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