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Frequent Contributor
Posts: 376
Registered: ‎03-21-2016
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Re: How to join NCFU and rebuild as a civilian the right way

Was this in the first two emails I just got, maybe I missed it.



6/2017 - EQ 680 // TU 666 // EX 676
3/2016 - EQ 615 // TU 605 // EX 621
Regular Contributor
Posts: 143
Registered: ‎05-31-2016
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Re: How to join NCFU and rebuild as a civilian the right way

Decided to give it a go, sent in my paperwork via email as per this thread: http://ficoforums.myfico.com/t5/Personal-Finance/Navy-Federal-CU-The-REAL-way-in-for-those-that-dont...

 

got a reply email that the app will be reviewed.

 

Hopeful. 

Ch 7 Discharged Jan 16: CCT Scores Dec 16; EX 702 TU 667 EQ 716 ::::: CCT June 17 EX 705 TU 730 EQ 708  
Credit Cards (4): CAP 1 QS JAN 16 (PC Plat to QS in Mar 16); CAP 1 QS May 16 (PC QS1 to QS Oct 16 Combined Dec 16) NFCU Cash Rewards JUN 16;  Discover IT JAN17; PenFed Cash Rewards Opened, then Closed JAN 17 to open as PenFed Power Cash Rewards FEB 17.
Loans:  Joint New Car Loan (Pen Fed, July 16)

Established Contributor
Posts: 842
Registered: ‎09-04-2012
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Re: How to join NCFU and rebuild as a civilian the right way

.I got the welcome email after right I will I got receipt email.
Contributor
Posts: 113
Registered: ‎11-11-2015

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

Thank you for posting this , now my husband and i can get in

Filed BK 8/2015 Discharged 12/2015
QS AU$1300 QS1 AU $1100 QS $1300 QS $600 Spark Business $1500.. DiscoverIt Secured $300..FingerHut FreshStart $130 Graduated $200, Victoria $250 NewYork&Co $250 CFNA $1000
Established Contributor
Posts: 842
Registered: ‎09-04-2012

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


Glenoldon wrote:
Thank you for posting this , now my husband and i can get in

Glenoldon,

 

You're welcome. I've had a good bit of help since my bankrutcpy from the myfico boards. This was shared with me and I'm more than happy to share it with you.

 

It's always to help someone when you can. Also joining the Navy League is awesome too.

 

I recommend if you join in the branch, you bring everything you need to minimize another trip and avoid the verification issue.

 

Best of luck!

 

Life's a beach!

 

Guyatthebeach

Regular Contributor
Posts: 143
Registered: ‎05-31-2016

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

@Guyatthebeach

 

 

 

Ch 7 Discharged Jan 16: CCT Scores Dec 16; EX 702 TU 667 EQ 716 ::::: CCT June 17 EX 705 TU 730 EQ 708  
Credit Cards (4): CAP 1 QS JAN 16 (PC Plat to QS in Mar 16); CAP 1 QS May 16 (PC QS1 to QS Oct 16 Combined Dec 16) NFCU Cash Rewards JUN 16;  Discover IT JAN17; PenFed Cash Rewards Opened, then Closed JAN 17 to open as PenFed Power Cash Rewards FEB 17.
Loans:  Joint New Car Loan (Pen Fed, July 16)

Regular Contributor
Posts: 118
Registered: ‎08-13-2009
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Re: How to join NCFU and rebuild as a civilian the right way

Should you wait for a BK7 to discharge? Or does NFCU take applicants who are in the process of BK7?

BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current Score 3/30/2017 | EQ: 645 | EX: 652 | TU: 634
NFCU nRewards Secured $1500 | Capital One Platinum $300 | Kohls $300 | Fingerhut $250 | Amazon Prime $900 | Walmart $400 | Town Fair Tire $500 | CareCredit $1500
Established Contributor
Posts: 842
Registered: ‎09-04-2012

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


Bcunniff9 wrote:

Should you wait for a BK7 to discharge? Or does NFCU take applicants who are in the process of BK7?


Bcunniff9,

 

If I were in your shoes again, I would join NFCU and open a checking and savings account. DON'T open a CC or get a line of credit until after you get your discharge papers. 

 

Guyatthebeach

Regular Contributor
Posts: 118
Registered: ‎08-13-2009
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Re: How to join NCFU and rebuild as a civilian the right way

Very well. Thanks Beach!

BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current Score 3/30/2017 | EQ: 645 | EX: 652 | TU: 634
NFCU nRewards Secured $1500 | Capital One Platinum $300 | Kohls $300 | Fingerhut $250 | Amazon Prime $900 | Walmart $400 | Town Fair Tire $500 | CareCredit $1500
Established Contributor
Posts: 842
Registered: ‎09-04-2012
0

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


Bcunniff9 wrote:

Very well. Thanks Beach!


BTW I opened a secured credit card and secured loan from my local credit union and a secured credit card the day my bankruptcy was discharged.

 

Read the 700 in 24 months thread. SoulMaster wrote a plan that works.

 

Life's a beach!

 

Guyatthebeach

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