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Established Member
britestar969
Posts: 25
Registered: ‎12-03-2012

There is hope!

[ Edited ]

Since my BK was discharged in July 2012, I decided to apply at NFCU.  The process was fairly simple and I received my member # right away.  I opened a checking and saving with only $5. My only question is was it a good decision to app for the rewards cards on the same day?? Not sure if I will get the card.  Think I read somewhere that they use TU which is good for me because it is my highest score right now at 619. Got a call later today stating I needed to provide id, ssc and proof of address. Is this standard or the beginning of a letdown?  :smileysad: Heading to the branch in the morning with info in tow.  Does anyone know what the starting limit can be on the reward visa card? Don't wanna get in too deep too soon..:smileyindifferent:


Starting Score: 3/12 TU 533 Ex 458 EQ 519
Current Score: 12/12 TU 619 EX 556 EQ 601
Goal Score: 700
BK7 3/12 DIS 7/12 LAST HP 12/7
Last app 12/7/12 OFF TO THE GARDEN UNTIL 06/14!!!!
In wallet: Merrick Bank 600.00>NFCU sig rewards 500.00
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: There is hope!

I don't think it was a bad thing to try....I may be wrong but I think they use the same inquiry. I don't know how they are with past BKs though. The request for info is standard for them.

Frequent Contributor
shols44
Posts: 397
Registered: ‎11-03-2012

Re: There is hope!

NFCU is notoriously BK friendly! You've made a great choice here.

 

Now, do you already have any lines reporting post BK? If not, you are likely to be offered a secured card option first. Which is not bad. 

 

If you already have lines reporting, get ready to be impressed. NFCU is a Godsend to post BK credit rebuild. There are numerous 3-5k rewards visa, NAVcheck approvals post BK here in the forums. 

 

I'm currently working on getting in myself. I'm willing to work a street corner to get in with this CU.


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Established Member
britestar969
Posts: 25
Registered: ‎12-03-2012

Re: There is hope!

[ Edited ]

Shols44, I currently have 2 line reporting post bk. Merrick Bank (600) and Firest Premier (300).  Both lines are 1-2% utilization only had em for a month or so.  I do, however, have a lot of inquiries maybe 5-6.  Hopefully I get approved, dont care about the CL for now Im nsure it will grow with time! :smileyembarrassed: By reading the forums I can clearly see the generosity of the cu! They didn't offer the secured card upfront, but told me that they will counter-offer that if I'm not approved.  They called me last night requesting additional info for cc fraud prevention so we will see.  Not sure what that was all abt.  I took my info in this morning and signed the signature card.  They said they'll be in touch via email or phone.. They faxed my documents over.  We'll see what happens. Will update with any info.  If I'm not approved, I will garden for the next 6 mos...:smileyindifferent:


Starting Score: 3/12 TU 533 Ex 458 EQ 519
Current Score: 12/12 TU 619 EX 556 EQ 601
Goal Score: 700
BK7 3/12 DIS 7/12 LAST HP 12/7
Last app 12/7/12 OFF TO THE GARDEN UNTIL 06/14!!!!
In wallet: Merrick Bank 600.00>NFCU sig rewards 500.00
Valued Contributor
Scupra
Posts: 1,146
Registered: ‎07-12-2012

Re: There is hope!

Great luck! Let me know how it pans out for you! 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
691 EQ FICO 06/2014
684 TU FICO 06/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival +
Established Member
britestar969
Posts: 25
Registered: ‎12-03-2012

Re: There is hope!

Thanks! I'm super excited and worried at the same time!

 


Starting Score: 3/12 TU 533 Ex 458 EQ 519
Current Score: 12/12 TU 619 EX 556 EQ 601
Goal Score: 700
BK7 3/12 DIS 7/12 LAST HP 12/7
Last app 12/7/12 OFF TO THE GARDEN UNTIL 06/14!!!!
In wallet: Merrick Bank 600.00>NFCU sig rewards 500.00
Established Member
britestar969
Posts: 25
Registered: ‎12-03-2012

Re: There is hope!

Got an update from CreditKarma and NFCU did 2 hard pulls!!! Oh no!!!:smileysad: I thought they would use the same pull for both accounts!! uh-oh! :smileysad:


Starting Score: 3/12 TU 533 Ex 458 EQ 519
Current Score: 12/12 TU 619 EX 556 EQ 601
Goal Score: 700
BK7 3/12 DIS 7/12 LAST HP 12/7
Last app 12/7/12 OFF TO THE GARDEN UNTIL 06/14!!!!
In wallet: Merrick Bank 600.00>NFCU sig rewards 500.00
Valued Contributor
Scupra
Posts: 1,146
Registered: ‎07-12-2012

Re: There is hope!


britestar969 wrote:

Got an update from CreditKarma and NFCU did 2 hard pulls!!! Oh no!!!:smileysad: I thought they would use the same pull for both accounts!! uh-oh! :smileysad:


I have seen a lot of other threads where they will not use the same HP for different products. Hopefully someone with more experience can chime in for you. Crossing my fingers for you!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
691 EQ FICO 06/2014
684 TU FICO 06/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival +
Frequent Contributor
shols44
Posts: 397
Registered: ‎11-03-2012

Re: There is hope!

I would be very very shocked if they don't approve you! 99% chance you are approved, and I mean big! I can't tell you how many times I've sobbed when I see the 6 months post-BK 5K limits approved by NFCU. 

 

They are hard pull happy! Don't worry about it. The generous CLs definitely make up for it. I'm telling you, I would rob a small child if it meant joining NFCU. 


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Valued Contributor
Scupra
Posts: 1,146
Registered: ‎07-12-2012

Re: There is hope!


shols44 wrote:

I would be very very shocked if they don't approve you! 99% chance you are approved, and I mean big! I can't tell you how many times I've sobbed when I see the 6 months post-BK 5K limits approved by NFCU. 

 

They are hard pull happy! Don't worry about it. The generous CLs definitely make up for it. I'm telling you, I would rob a small child if it meant joining NFCU. 


Hahaha that is hilarious! This thread makes me impatient to building my relationship with them haha! 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
691 EQ FICO 06/2014
684 TU FICO 06/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival +

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