I'm not getting any love from NFCU can anyone help???

[Jagajaga]

I know how everyone says how NFCU is great with people with BK. I have not have any luck with them. I was discharged in May 2014. I was approved for $500 credit card with them in June. In November, I was denied for a car loan and a credit line increase. Meanwhile I have received 2 cards from cap one for 1500 and another for 3000. Capital one also refinanced my car which NFCU denied. My EQ score pulled by Capone was 630 and the score pulled from NFCU said it was 613. I make over 100k a year. What Am I doing wrong with NFCU? Can any one chime in thanks. 

[Anonymous]

When I tried re-financing my truck with them and getting one of their credit cards in the low 600's about 3 months out of a BK Ch7, they told me they wanted to see roughly 12 months payment history on my vehicle and I bought it 5 months earlier so they said try again in spring.  As for the credit card, I was really disappointed, I see people getting their cards with lower scores and income than mine, but i'm not worried.  I'll try again in spring.  

So....I would say to try again for an increase closer to May, that gives you a year post BK, there would be no reason not to increase you then.  

[Scupra]

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@Jagajaga wrote:

I know how everyone says how NFCU is great with people with BK. I have not have any luck with them. I was discharged in May 2014. I was approved for $500 credit card with them in June. In November, I was denied for a car loan and a credit line increase. Meanwhile I have received 2 cards from cap one for 1500 and another for 3000. Capital one also refinanced my car which NFCU denied. My EQ score pulled by Capone was 630 and the score pulled from NFCU said it was 613. I make over 100k a year. What Am I doing wrong with NFCU? Can any one chime in thanks. 

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Can we get some more info on your profile? You are coming up on a year post d/c and your score seems a bit low. It sounds like your score is holding you back with NFCU right now. What else have you done to rebuild and clean up? Thanks!

[Jagajaga]

I will approaching one year discharge in May. My EQ score when pulled from Capone was 630. My TU score is 640. I don't have a score for TU. 

[Scupra]

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@Jagajaga wrote:

I will approaching one year discharge in May. My EQ score when pulled from Capone was 630. My TU score is 640. I don't have a score for TU.  Confused by this

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My original post still stands.. Your scores seem a tad low for about a year post d/c. Also, where are you obtaining scores from?

[Scupra]

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@Scupra wrote:

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@Jagajaga wrote:

I know how everyone says how NFCU is great with people with BK. I have not have any luck with them. I was discharged in May 2014. I was approved for $500 credit card with them in June. In November, I was denied for a car loan and a credit line increase. Meanwhile I have received 2 cards from cap one for 1500 and another for 3000. Capital one also refinanced my car which NFCU denied. My EQ score pulled by Capone was 630 and the score pulled from NFCU said it was 613. I make over 100k a year. What Am I doing wrong with NFCU? Can any one chime in thanks. 

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Can we get some more info on your profile? You are coming up on a year post d/c and your score seems a bit low. It sounds like your score is holding you back with NFCU right now. What else have you done to rebuild and clean up? Thanks!

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[Jagajaga]

Everything reports IIB. I have 3 public record Info on my report. The BK, a credit card judgment from 2011 and A 2008 tax lien. I wasn't paying my credit cards in full and keeping my utilization under 10% I just started doing that a few months ago so maybe my score will go up soon. But I have seen ppl getting getting approved for high limits with scores less than 600. Maybe I should just wait till end of the year and try again.

[Scupra]

Score is not everything in this case. You have a lot of baddies compared to some people who have a low 600. That's why we always talk about building a robust profile and not to worry about score haha! Watch for NFCU to soft you and try again in a year like you planned. Once they start giving it will be well worth the wait I'm sure! Good luck, keep hanging in there.

[Jagajaga]

I will just manage the 3 cards I have now plus my auto loan. My student loan was deferred but will start paying it in next month. Hopefully by the end of the year we will see where I am. Thanks for the feedback b