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Another NFCU miracle!!

Regular Contributor

Another NFCU miracle!!

My wife and I joined NFCU 2 weeks ago, and made our minumum opening deposits 

for checking and savings. We were discharged from Bk7 three weeks ago. Our goal was to get a credit card through them.

Since we were fresh from Bk7, we were ready to open up a secured card.

 

On a whim, we decided to apply for the nRewards card to see if they were really Bk friendly.

Well, the process took 2 days, and on the 1st day, they asked for both paystubs. I was sweating bullets 

for a decision cause I knew we were getting denied due to our 3 weeks old bankruptcy.

 

Lo and behold, I logged on NFCU banking website and I see that we were approved for 500 bucks!!!

The interest sucks of course, it's around 17.99 but we will take it!! Despite the low limit, we

are very happy that we got our foot in without a security deposit.

 

All in all, NFCU is very Bk friendly!!! Most credit union will want a good post 2 years before applying, but

NFCU thought our 3 weeks was good!! For that reason, that's a miracle!!

 

 

 

 

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 1 of 13
12 REPLIES
Established Contributor

Re: Another NFCU miracle!!

Congratulations!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 2 of 13
Valued Contributor

Re: Another NFCU miracle!!

Congrats! My dad is 3 years post BK7 and they refi his truck for 6% from 22.50% and they also approved him for cashRewards cc.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 3 of 13
Established Contributor

Re: Another NFCU miracle!!

Congrats! I wish I could join NFCU but i'm ineligible. Smiley Sad
I read they are very cl generous.
Congrats on your approval and BK discharge.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 4 of 13
Valued Contributor

Re: Another NFCU miracle!!

Congratulations on your approval!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 5 of 13
Regular Contributor

Re: Another NFCU miracle!!

Congrats! Which bureau did they pull for you?

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

Message 6 of 13
Established Contributor

Re: Another NFCU miracle!!

Congrats NFCU is the best!!!

Total Overall Credit Limit- $325k
Message 7 of 13
Highlighted
Regular Contributor

Re: Another NFCU miracle!!


princechristian wrote:

Congrats! Which bureau did they pull for you?


They pulled equifax...

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 8 of 13
Valued Contributor

Re: Another NFCU miracle!!

Congrats!!!! I have been thinking about applying with them, but I am firmly gardening untill next year.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 9 of 13
Valued Contributor

Re: Another NFCU miracle!!

Congrats!!!!
Scores: about 700 across the board
Total CL: $275k
Message 10 of 13