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

Regular Contributor

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

Question about the applicaton. Part C Affiliation. Do i leave that blank? It lists the branhes of military, which im not apart of. I wrote in the Navy League San Diego in the association box on Part B.

BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current FICO 8’s 10/28/2017 | EQ: 680 | EX: 680 | TU: 665
Message 21 of 527
Established Contributor

You will check association and write Navy League/San Dieg...

You will check association and write Navy League/San Diego chapeter. 

 

Be honest on everything on the application, because they will be reviewing every line. 

 

Make sure you include a copy of the welcome letter from the Navy League. It shows you in the San Diego chapter on page 2 toward the bottom.

 

When I joined, the associate filled everything out for me. I only had to sign it.

 

Guyatthebeach

Message 22 of 527
Regular Contributor

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

Just remembered im on ChexSystems. Guess I'll have to wait for d/c to get that cleared up. Im set for d/c 7/5/2016. Thats not a bad wait. Thanks for the info.

BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current FICO 8’s 10/28/2017 | EQ: 680 | EX: 680 | TU: 665
Message 23 of 527
Regular Contributor

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


Bcunniff9 wrote:

Just remembered im on ChexSystems. Guess I'll have to wait for d/c to get that cleared up. Im set for d/c 7/5/2016. Thats not a bad wait. Thanks for the info.


You don't have to wait for discharge in order for Chex to update you. Fax them your filing and a request to clear you record. They work quickly.


BK7 Discharge 1/16
10/15 ~ EQ: 406; TU: 520
11/17 ~ EX: 646; TU: 650; EQ: 639
Message 24 of 527
Community Leader
Super Contributor

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

Navy Federal does not check Chexsytems fyi. Smiley Happy
Message 25 of 527
Community Leader
Senior Contributor

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?


You can obtain membership before you are discharged.. You just can't apply for any loans/credit cards until you are discharged. I applied for a secured card before my report showed "discharged" and they made me send them my discharge papers before they would approve. 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k 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
Message 26 of 527
Regular Contributor

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

Sent the app along with the email and IDs. Hope it works out.
BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current FICO 8’s 10/28/2017 | EQ: 680 | EX: 680 | TU: 665
Message 27 of 527
Community Leader
Senior Contributor

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


Bcunniff9 wrote:
Sent the app along with the email and IDs. Hope it works out.

I'm sure it will but good luck!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k 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
Message 28 of 527
New Member

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

Thanks for the detailed explanation. How long did it take to get the welcome email from Navy League? Perhaps processing is different on weekends...I'm sure I didn't enter the wrong emai twice LOL

Message 29 of 527
Regular Contributor

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

I got mine a couple seconds after I payed. But it could be different on the weekend.
BK7 Filed | 3/25/2016 | EQ: 530 | EX: 526 | TU: 505
BK7 Discharged | 7/11/2016 | EQ: 535 | EX: 574 | TU: 506
Current FICO 8’s 10/28/2017 | EQ: 680 | EX: 680 | TU: 665
Message 30 of 527