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Join NFCU before or after discharge?

New Member

Join NFCU before or after discharge?

Hi guys, I need your wisdom! I already joined the San Diego chapter of the Navy League, but I'm wondering if I need to wait before submitting a request to become an NFCU member. I filed BK7 a week ago and am waiting on my 341 meeting and discharge this summer. If I open an account with NFCU will they close it once my BK7 is discharged? Thanks for any input! : )

Filed BK7 4/5/16 - waiting on hearing/discharge
Message 1 of 6
5 REPLIES
Valued Member

Re: Join NFCU before or after discharge?

It is fine to open the accounts before discharge. I personally would wait until after the 341 meeting. The only reason - if the trustee asks if you've opened or have any accounts you didn't report the answer is no. I opened my NFCU the day after my 341. That way the accounts will be settled, funded, etc by discharge.

Rebuilding from BK 7
EQ-554 TU-567 EX-542 ~ Day of Filing (2/2017)
EQ-559 TU-496 EX-510 ~ Day of Discharge (6/2017)
EQ-668 TU-670 EX-658 ~ Current (8/17)
Live, learn, and overcome
Message 2 of 6
New Member

Re: Join NFCU before or after discharge?

Oh, I didn't even think of that. That you so much for the input! I'm excited to build a relationship with NFCU. Smiley Happy

Filed BK7 4/5/16 - waiting on hearing/discharge
Message 3 of 6
Valued Member

Re: Join NFCU before or after discharge?

As soon as I get my discharge I'll be opening my account with NFCU too. I am very excited to join their "family" too. Members say great things about them.

BK7 Filed 03/30/17
341 Meeting 05/03/17
Finally DISCHARGED!! 10/30/17

Cap One Plat CL $3000
Message 4 of 6
Established Contributor

Re: Join NFCU before or after discharge?

You can join NFCU before your bankruptcy, just don't apply for any credit products. I think Navy Federal is the one of the best national credit unions for rebuilding credit.

 

Guyatthebeach

Message 5 of 6
Established Member

Re: Join NFCU before or after discharge?

Thank you @guyatthebeach! I'm going to start the membership application process today (this is Thrashley btw, I didn't realize I had this old account I needed to log in to to order my scores/reports). 

Filed BK7 4/5, 341 5/17

4/21 FICO EQ 484
4/27 FICO EX 516
5/22 FICO EQ 524 9/12 FICO EQ 604
Message 6 of 6