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Holy NFCU!!

Established Contributor

Re: HOLY NFCU!!

It's a free line of credit.  If you got 12.5k on the Flagship then I'd definitely say go for it.  Just keep in mind you WILL get another HP, maybe even two.

   
FICO Scores 800+
Message 11 of 40
Frequent Contributor

Re: HOLY NFCU!!

on the website is it under, "Home equity line of credit" or am i missing the link for the Navchek?


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 12 of 40
Frequent Contributor

Re: HOLY NFCU!!

oh, or overdraft line of credit?


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 13 of 40
Regular Contributor

Re: HOLY NFCU!!

Congrats! I just became a member this week & I am trying to wait till next month to app, after I pay my utilization down to zero. Waiting is hard, but I am excited. My scores/baddies are about the same as yours so this is exciting news to hear! 

Message 14 of 40
Contributor

Re: HOLY NFCU!!

Wow that's amazing. I have been looking into finding a CU and there are NONE in FL worth going to.

 

What types of scores do they look for?  I have a fairly short credit history, but no baddies on my report.

 

Is there a minimum you need to open with ?


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 15 of 40
Established Contributor

Re: HOLY NFCU!!

12.500 dont spend it all at once!!

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 16 of 40
Frequent Contributor

Re: HOLY NFCU!!

They conditionally approved the line of credit, but I have to fax in two most recent pay stubs, and a month of bank statements from my previous bank.

not sure if they pulled another inquiry. I had an overdraft fee last month, so I am kinda pissed that happened, and I dont think I am going to fax in the documents because of it now :/


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 17 of 40
Valued Contributor

Re: HOLY NFCU!!

Send them anyway. NFCU will not auto reject you for the overdraft on the other account. They are super forgiving of past mistakes with others. Just don't ever burn them or they will never forget.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL


Take the FICO Fitness Challenge

Message 18 of 40
Valued Contributor

Re: HOLY NFCU!!

NavChek/Overdraft LOC is pretty nice...it reports like the others have stated as another CC. Plus it's linked to your checking acct. and will auto-draft if you need it too, and you can also just write checks directly out of it and have up to $15k available for cash advance if needed.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 19 of 40
Established Contributor

Re: HOLY NFCU!!


dddfresh wrote:

They conditionally approved the line of credit, but I have to fax in two most recent pay stubs, and a month of bank statements from my previous bank.

not sure if they pulled another inquiry. I had an overdraft fee last month, so I am kinda pissed that happened, and I dont think I am going to fax in the documents because of it now :/


Yeah it's the Overdraft LOC.  Send in the info--you already got the HP for it.  If you don't send in the papers it's a guaranteed denial; send them in and you should be approved.  They just want to make sure you're making as much money as you say you are.

   
FICO Scores 800+
Message 20 of 40