Credit Union Apps, please advice

[Anonymous]

BECU is great my fiancé banks with them for auto and credit card. She did suggest to add me as joint owner and AU for credit but I said I'll hold on that to see how I progress. My true hold back is that I am worried about the liens holding and taking money from the account something I didn't tell her, obviously.

[Anonymous]

Quick update from apps. I wasn't expecting any approvals but since they pulled inq's I might as well see.

UNIFY FCU - Experian Inquiry - Denied for too much obligations, child support

Penfed Visa - Denied
- recent derogatory/collection/public record
- too many inquiries

WSECU - still in progress.

[Anonymous]

Update and question -

NFCU - approved for membership. They pulled TU but they also pulled EX, is there a reason why they pulled EX rather than the typical TU and EQ?

My EX file is cleaner compared to the other two. And since they are hard pulls should I try to App with my standing?

[CreditDunce]

If you don't mind another HP, go ahead and app.  They are one of the most forgiving CUs around.   I think your best chance would be the nRewards Secured.  It is one of the better secured cards available.  They often will unsecure it after a year.  Once unsecured, NFCU is easy to product change.  Another bonus is they are supposed to start offering a free FICO score for credit card holders later this year.  I suspect it will only be every other month, but it would be a decent way to keep track of your credit rebuilding.