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Frequent Contributor
WhiteCollar
Posts: 309
Registered: ‎04-07-2012

UPDATED: NFCU Recon Success!!!!

[ Edited ]

I was approved for a cash rewards card with a $1k limit. I find the amount to be paltry in comparison to my other card limits. I've read many postings on this forum about how generous NFCU are with CL's and CLI's. Should I recon? Has anyone had a successful recon experience?

Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: Should I Recon NFCU??

I had a recent success but it all depends on multiple factors. I went from 5K to 12K What are your stats?
Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Frequent Contributor
WhiteCollar
Posts: 309
Registered: ‎04-07-2012

Re: Should I Recon NFCU??

Scores: 670 (EXP via USAA), 660 (FICO), 605 (EQ via USAA)

4 prime cards with $5k limits and BBYRZMC $2.5k 

Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: Should I Recon NFCU??

any baddies?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Frequent Contributor
WhiteCollar
Posts: 309
Registered: ‎04-07-2012

Re: Should I Recon NFCU??

5 baddies :smileyindifferent:. Most recent is from 2008.

Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: Should I Recon NFCU??

Can you take care of those 1st? How did you get the 5 primes did you recon? You can recon...but I dont know how much more you would get. I would email them and explain the reasons of why and how you got those baddies.

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Contributor
jonmartin
Posts: 85
Registered: ‎06-05-2009

Re: Should I Recon NFCU??

How do you even recon navy federal?

NFCU Flagship Rewards Visa Signature $5,000
NFCU NavCheck LOC $10,000
Chase INK Cash $5,000
Chase Freedom $1,500
Capital One Sparks $750 (Closed)
Capital One Platinum $500 (Closed)
Capital One Platinum $500 ( Closed )


Starting Score: 590 MyFico EQ
Current Score: 627 My Fico EQ
Goal Score: 720


Take the FICO Fitness Challenge

Chase Ink Cash - $2,500
Capital One Spark - $???
Capital One Platinum - $500
Super Contributor
CS800
Posts: 6,542
Registered: ‎04-07-2008

Re: Should I Recon NFCU??


jonmartin wrote:

How do you even recon navy federal?


You call them and plead your case just like any other creditor. They are generally very flexible.






Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: Should I Recon NFCU??


CS800 wrote:

jonmartin wrote:

How do you even recon navy federal?


You call them and plead your case just like any other creditor. They are generally very flexible.


+1 Thats what I did...you can even send a message thru the website and explain your case

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Frequent Contributor
WhiteCollar
Posts: 309
Registered: ‎04-07-2012

Re: Should I Recon NFCU??

The baddies are there to stay for now. 2 are expected to fall off next year. They are all paid and closed accounts. I tried sending GW letters but no success. Not sure what you mean by how dI'd I get my prime cards? Some I applied for and others solicited me. Yes, I can explain how I got the baddies. My credit history since the baddies have been immaculate. I think I will call and plead my case.


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