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Valued Member
Posts: 42
Registered: ‎07-29-2012
0

Apping for NFCU cc today...

When I get home from work, I'm going to apply for a NFCU line of credit. I've held out for a lil bit in order for my EQ and TU scores to go up a few point. This is my credit picture right now:

 

EQ 660, TU 649, I have a Cap1 cc $20 balance/$750 CL, Orchard Bank cc $49 balance/$420 CL (had both cc since Sept '11, always on time and under %20 utilization)
Filed Chapt 7 in May '11/discharged August 15th '11. No baddies other than BK and 6 accounts associated with it. 4 inquiries since 9/2011. Income: 73k, Credit History: 17 years.

 

Based on this information and your experiences, can anyone give a prediction on what my outcome will be. Also, which card(s) should I apply for and would I have better luck calling it in or doing it online? Thanks in advance everyone, you all have been very helpful.


Starting Score (August 2011 post chapt7): Mid 500's for all three
Current Score (August 2012): EQ: 660 TU 662 EX 656
Goal Score (Spring 2013): 700+ for all three
Wallet: CapOne Platinum Rebuilder: $750CL/ Orchard Bank: $420/ NFCU nRewards $2k

Take the FICO Fitness Challenge
Member
Posts: 20
Registered: ‎08-06-2012
0

Re: Apping for NFCU cc today...

Hope all goes well.

 

If you get a "review" message after apping, remember that recon works wonders.

Sept 2012: TU 682 ; EQ625 ; EX 636

NFCU Secured nRewards $600
CapOne Platinum $500
Macys $100
Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: Apping for NFCU cc today...

GoodLuck! NFCU is awesome!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Valued Member
Posts: 42
Registered: ‎07-29-2012
0

Re: Apping for NFCU cc today...


lupiiin wrote:

Hope all goes well.

 

If you get a "review" message after apping, remember that recon works wonders.


@lupiin, I just called. The lady said my app has been submitted and will be reviewed...3-5 biz day but call anytime for status.

 


Starting Score (August 2011 post chapt7): Mid 500's for all three
Current Score (August 2012): EQ: 660 TU 662 EX 656
Goal Score (Spring 2013): 700+ for all three
Wallet: CapOne Platinum Rebuilder: $750CL/ Orchard Bank: $420/ NFCU nRewards $2k

Take the FICO Fitness Challenge
Regular Contributor
Posts: 134
Registered: ‎02-18-2012
0

Re: Apping for NFCU cc today...

Good luck! Keep us posted.
Valued Member
Posts: 42
Registered: ‎07-29-2012
0

Re: Apping for NFCU cc today...

@Everyone...In the event that the outcome is not in my favor. How do you request a "recon" and what does that process entails???


Starting Score (August 2011 post chapt7): Mid 500's for all three
Current Score (August 2012): EQ: 660 TU 662 EX 656
Goal Score (Spring 2013): 700+ for all three
Wallet: CapOne Platinum Rebuilder: $750CL/ Orchard Bank: $420/ NFCU nRewards $2k

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Apping for NFCU cc today...

They don't do recons. You can't call and speak directly to an underwriter. If you got the 3-5 day message that means it got forwarded to underwriting and an actual human will review it and make a decision. In the event you are denied I would recommended you start a secured card with them then build a relationship with them then re apply in 6-12 mos
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Frequent Contributor
Posts: 363
Registered: ‎08-31-2007
0

Re: Apping for NFCU cc today...

They do recons. When I was initially denied last year. I sent them a message online and attached my pay stubs. Within an hour I was approved for 2k. Now my cashrewards is 10K.

| NFCU Cashrewards $17,500 | NFCU Platinum $15,000 | NFCU Navchk $10,000 | Amex BCE $1,000 | Amex HHonors $1,700 | Chase Freedom $1,400 | Chase Sapphire Preferred $2,800 | BOA 3-2-1 $10,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $2,800 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $1,000
Valued Member
Posts: 42
Registered: ‎07-29-2012
0

Re: Apping for NFCU cc today...


Mellon wrote:

They do recons. When I was initially denied last year. I sent them a message online and attached my pay stubs. Within an hour I was approved for 2k. Now my cashrewards is 10K.


@Mellon, in the event I get denied, how should I go about doing a recon? I want to prepare now just in case. I got a very strong feeling that I will get the nod but I'm scared of the unknown, LOL.


Starting Score (August 2011 post chapt7): Mid 500's for all three
Current Score (August 2012): EQ: 660 TU 662 EX 656
Goal Score (Spring 2013): 700+ for all three
Wallet: CapOne Platinum Rebuilder: $750CL/ Orchard Bank: $420/ NFCU nRewards $2k

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 363
Registered: ‎08-31-2007
0

Re: Apping for NFCU cc today...

shoot them a message (via the online message center) explain why you want the card and attached pay statements. It worked for me

| NFCU Cashrewards $17,500 | NFCU Platinum $15,000 | NFCU Navchk $10,000 | Amex BCE $1,000 | Amex HHonors $1,700 | Chase Freedom $1,400 | Chase Sapphire Preferred $2,800 | BOA 3-2-1 $10,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $2,800 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $1,000

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