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In Shock! NFCU approved me.

Established Member

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.

Message 1 of 15
14 REPLIES
Valued Contributor

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
Message 2 of 15
Senior Contributor

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 | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 3 of 15
Valued Contributor

Re: In Shock! NFCU approved me.

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. 

Message 4 of 15
Valued Member

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


Take the myFICO Fitness Challenge
Message 5 of 15
Valued Contributor

Re: In Shock! NFCU approved me.

Congrats!!

Scores: about 700 across the board
Total CL: $275k
Message 6 of 15
Valued Contributor

Re: In Shock! NFCU approved me.

WTG!!
Message 7 of 15
Regular Contributor

Re: In Shock! NFCU approved me.

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

Message 8 of 15
Established Contributor

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
Message 9 of 15
Established Contributor

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

Take the myFICO Fitness Challenge
Message 10 of 15