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Established Member
Posts: 22
Registered: ‎02-01-2013

In Shock! NFCU approved me.

NCFU just approved me for a 4k cash rewards cc. Just days ago I signed up for the minimal $5 savings account. My credit score with experian was 586 before applying. I have several baddies on my report including: 2 chargeoffs, 1 settled judgement, and 4 paid medical collections. My only current debt is 15k in student loans which have been in good standing for 3 years now. My income is low at ~$30k a year.

NFCU has been discussed a lot on here, good and bad, but I am so glad I took the chance and applied for the cash rewards. If I was declined, I was gonna reapply for the secured card anyways.

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

Re: In Shock! NFCU approved me.

Woohoo!!  Congrats!!

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
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012

Re: In Shock! NFCU approved me.

Congrats! Man, I wish I could be amember at NFCU!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 1,864
Registered: ‎09-20-2011

Re: In Shock! NFCU approved me.

[ Edited ]

That's amazing.  It should help a ton in future approvals. May as well get greedy and go for a navcheck as well.  May use the same pull but not 100% sure. 

Valued Member
Posts: 37
Registered: ‎10-13-2010

Re: In Shock! NFCU approved me.

Congratulations on the approval!  Your credit history similar to mine, and I was approved for the cashRewards last week as well (got the card in the mail yesterday).


Welcome to NFCU!  As boomhower stated, NavChek may be worth a shot, but you'll need a Checking account, as NavChek is an Overdraft Line of Credit.


BTW, how did you get your Experian score? 

Starting Score: 461 (EQ 10/2012)
Current Score: EQ 622
Goal Score: 660

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Valued Contributor
Posts: 1,547
Registered: ‎08-30-2012

Re: In Shock! NFCU approved me.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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My Journey
Valued Contributor
Posts: 1,437
Registered: ‎08-07-2007

Re: In Shock! NFCU approved me.

Regular Contributor
Posts: 125
Registered: ‎03-09-2013

Re: In Shock! NFCU approved me.

Congrats!!!  You will love all the possibilities NFCU will be able to give you.

Starting Score: 660 (BK discharged 2/2012)
Current Score: 684 - EQ | 679 - EX (Lender pull)
Goal Score: 720+

Wallet: NFCU Flagship Signature 14k | NFCU cashRewards 1K | NavCheck 15k | Barclays US Air 2.1k | Merrick 1.4k | Credit One 550 | Cap One 750 | Last app 5.5.2013
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Frequent Contributor
Posts: 479
Registered: ‎03-05-2013

Re: In Shock! NFCU approved me.

Awesome Congrats!

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board
Established Contributor
Posts: 502
Registered: ‎04-17-2013

Re: In Shock! NFCU approved me.

Welcome to the NFCU club!

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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