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Contributor
amber78
Posts: 112
Registered: ‎12-10-2012
0

want to have a NFCU but getting divorced from service member

Im going through a divorce with a service member and I will be filing BK after the divorce. I know NFCU is very good and I would REALLY like to have them after the BK.  Do you think I could apply now, whil still married, and get in..but then Im not sure if they would shut me down after the BK.  Or do I wait until after the divorce, but then I dont know if I technically qualify.

Thoughts?

PAST SCORES: Experian FAKO
511 (12/01/13), 591E(05/02/14), 628 (05/07/2014)
CURRENT SCORE: 658 (08/15/2014)
Filed CH7 04/2014 & Discharged 08/2014
Goal Score: 720
In my wallet: CapitalOne Plat. $700 (07/2014), Capitalone QuickSilver $2,000 (09/2014)
Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

Re: want to have a NFCU but getting divorced from service member

Obtain membership and open a savings account now.  Don't incur any debt.  As long as you don't cause them a loss you should be OK. 

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: want to have a NFCU but getting divorced from service member

+1 just join now. You don't even need to do anything more than the $5 savings for your member share. Definitely join now, you will be so glad you did! They are so much better at helping people to rebuild. 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: want to have a NFCU but getting divorced from service member

+1 to what everybody said.  You need to push the submit button on the membership now while STILL married.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

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