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Valued Contributor
pizza1
Posts: 1,820
Registered: ‎07-17-2013
0

NFCU Visa APPROVED!!!! (Post bk 7) :):)

OMG!! NFCU rocks!!! I'm so excited right now!!! Got membership yesterday, and after reading the NFCU official thread on here, I but the bullet and applied for their nRewards Visa (UnSECURED) card, and was approved same day!!! CL is $500/ no AF/16%. Plan of PIF anyways!! I'm almost 2 months post chapter 7 discharge, and they pulled EQ. So, very blessed to be in with them....

Currently: Chp 7 DC 08/2013
As of 09/2013 scores were FICO: EQ 653, EX 607, TU 573
Still disputing on all three CRA's

Currently have:
Commerce bank secured Visa, $500 CL (2 months old)
Capital One Platinum MasterCard unsecured, $1,000CL (2 weeks old)
NFCU nRewards Visa unsecured, $500 CL (approved today)

So, I'm now in the garden for a year or more!!! :smileyhappy:


(BK7 d/c:08/19/13~FICO-400's)---> EQ 664,EX 650,TU 657
3 major cc/ 8 retail cc= $43,300 avail credit; plus a $15k LOC
Total revolving credit reporting is 1%
Regular Contributor
ChistineNJ
Posts: 160
Registered: ‎04-04-2013
0

Re: NFCU Visa APPROVED!!!! (Post bk 7) :):)

Congrads i think your my bk twin
 Cap1 1500.00, CU card 800.00, express 250, nrewards 2500.00, VS 500.00, quicksilver 1500.00, BML 500.00, CB Loan 1000.00

Starting Score: 553
Current Score: 630
Goal Score: 650


Take the myFICO Fitness Challenge

 Pre BK score: 565 (Credit-Infonet)
Filed Bk : 3/26/13
Scores: TU 591, EQU 579 EXP 516
BK D/C: 6/21/2013
Post Clean up Scores: TU 569, EQU 553 EXP 587
New Accounts
6/28 Capital One $300.00
7/ Fp $700.00
9/11 Express Retail Charge $250.00
10/28/13- nfcu nrewards $500.00
Valued Contributor
pizza1
Posts: 1,820
Registered: ‎07-17-2013
0

Re: NFCU Visa APPROVED!!!! (Post bk 7) :):)

Thank you!!! So ChristineNJ, what's you're story???:smileyhappy:
(BK7 d/c:08/19/13~FICO-400's)---> EQ 664,EX 650,TU 657
3 major cc/ 8 retail cc= $43,300 avail credit; plus a $15k LOC
Total revolving credit reporting is 1%
Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

Re: NFCU Visa APPROVED!!!! (Post bk 7) :):)

Regular Contributor
mgs2010
Posts: 185
Registered: ‎07-26-2009
0

Re: NFCU Visa APPROVED!!!! (Post bk 7) :):)

Good Luck. They're pretty awesome. I'm roughly 3 years post ch 7 and have a total of 16,000 in credit lines with NFCU. 2 cards, platinum and the Cash Rewards. Pay it on time and every 4-6 months request a credit line increase through the website. I don't think they even soft you for it, It's ALWAYS, ALWAYS, ALWAYS given me limit increases. Never once has it referred in for a review or declined me. They rock. Try to get in with USAA too if you can, they're great as well! NFCU and USAA are my two favorite post bk-7 friendly credit card issuers/banks.

Regular Contributor
bbrentlinger
Posts: 125
Registered: ‎12-02-2010
0

Re: NFCU Visa APPROVED!!!! (Post bk 7) :):)

How do you get in there? I keep seeing everyone posting about nfcu. Is everyone military?

Starting Score: EQ593 EX 633 TU 649
Current Score: EQ 593 EX 633 TU 649
Goal Score: 700


Take the myFICO Fitness Challenge
Regular Contributor
mgs2010
Posts: 185
Registered: ‎07-26-2009
0

Re: NFCU Visa APPROVED!!!! (Post bk 7) :):)

[ Edited ]

idk about everyone else, but Army Reserve was my ticket in. Ask around in your family - I'm sure there's a way you can get in as well!

Valued Contributor
pizza1
Posts: 1,820
Registered: ‎07-17-2013
0

Re: NFCU Visa APPROVED!!!! (Post bk 7) :):)

Thanks for the responses everyone!! My dad is retired Marines, and they will check and reference you! They did me, and my Ssn matched with the Dept. of Defense as a dependent from my dad, so it was an automatic in!! I have USAA for car insurance and have since 1991, but I burned them in bK, so can't do anything else with them for a lonnnngggg time, lol!!:smileyhappy:
(BK7 d/c:08/19/13~FICO-400's)---> EQ 664,EX 650,TU 657
3 major cc/ 8 retail cc= $43,300 avail credit; plus a $15k LOC
Total revolving credit reporting is 1%
Regular Contributor
bbrentlinger
Posts: 125
Registered: ‎12-02-2010
0

Re: NFCU Visa APPROVED!!!! (Post bk 7) :):)

My dad was honorably discharged from the navy.  I highly doubt he would give me the last four of his SSN to get an account.  My sister works for dfas but is not a member of nfcu.


Starting Score: EQ593 EX 633 TU 649
Current Score: EQ 593 EX 633 TU 649
Goal Score: 700


Take the myFICO Fitness Challenge
Valued Contributor
pizza1
Posts: 1,820
Registered: ‎07-17-2013
0

Re: NFCU Visa APPROVED!!!! (Post bk 7) :):)

You don't need his SSN. When I did my app, the guy took all my info down, asked security questions, then ran my SSN against the dept of defenses and it came up a match due to my dad years ago listing his family when he was active duty and their SSn!
(BK7 d/c:08/19/13~FICO-400's)---> EQ 664,EX 650,TU 657
3 major cc/ 8 retail cc= $43,300 avail credit; plus a $15k LOC
Total revolving credit reporting is 1%

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