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

Re: Apping for NFCU cc today...


jordanmedical wrote:
If you have online access you can send that stuff while it is in review. I sent an explanation through my messages when I applied.

@jordan What was the end results, how long did it take, and what was your scores at the time if you don't mind me asking...share your testimony my friend, 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

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Established Contributor
jordanmedical
Posts: 991
Registered: ‎04-08-2012

Re: Apping for NFCU cc today...

2 days, and my approval info is in my nfcu thread. You can get to it by clicking my name to see my last couple posts. 

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Valued Contributor
Crashem
Posts: 2,351
Registered: ‎01-26-2012

Re: Apping for NFCU cc today...

How did you qualify for nfcu?  If active duty, it makes a difference.  And did you blow out nfcu inbankruptcy?

Amex Plat, Amex BCP 8k->24k (5/23/12), Amex TE 15k, CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k (8/20/12), HSBC 15k, JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k
Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: Apping for NFCU cc today...

Milt what happen...did you ever send the additional info? Are they still reviewing you initial info?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Valued Member
miltolam
Posts: 42
Registered: ‎07-29-2012

Re: Apping for NFCU cc today...

[ Edited ]

AvaMommy wrote:

Milt what happen...did you ever send the additional info? Are they still reviewing you initial info?


@AvaMommy, I'm doing it in a few. I called in and apped Tues afternoon. Why, have you applied yet? If so, share your experience. Thx

 


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
Crashem
Posts: 2,351
Registered: ‎01-26-2012

Re: Apping for NFCU cc today...

NFCU is BK friendly.  While your scores are fine for NFCU, the question revolves around timing of BK.  Don't know that NFCU has hard set rule about years out of BK before lending that many other institutions have.  Never heard answer on your method of joining NFCU as military related helps from what I have seen.  Also did you blow out NFCU during your bankruptcy?

Amex Plat, Amex BCP 8k->24k (5/23/12), Amex TE 15k, CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k (8/20/12), HSBC 15k, JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k
Valued Member
miltolam
Posts: 42
Registered: ‎07-29-2012

Re: Apping for NFCU cc today...


Crashem wrote:

NFCU is BK friendly.  While your scores are fine for NFCU, the question revolves around timing of BK.  Don't know that NFCU has hard set rule about years out of BK before lending that many other institutions have.  Never heard answer on your method of joining NFCU as military related helps from what I have seen.  Also did you blow out NFCU during your bankruptcy?


@Crashem....I'm not in the military. I got in through a relative of mines. No, I did not have NFCU at the time of filing. I've been with them for 5mo. now. I have a checking and saving set up with $100 dd on the 15th and 31st of each mo.

 


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
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: Apping for NFCU cc today...

@Milt not a member of NFCU but I will be joining the ranks! I am prior military and I bank with USAA and PENFED. USAA is too conservative for me! Looking for a CU (USAA isnt) that is open to previous mistakes. Good Luck and inform the forum your results  

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Valued Contributor
Crashem
Posts: 2,351
Registered: ‎01-26-2012

Re: Apping for NFCU cc today...


miltolam wrote:

Crashem wrote:

NFCU is BK friendly.  While your scores are fine for NFCU, the question revolves around timing of BK.  Don't know that NFCU has hard set rule about years out of BK before lending that many other institutions have.  Never heard answer on your method of joining NFCU as military related helps from what I have seen.  Also did you blow out NFCU during your bankruptcy?


@Crashem....I'm not in the military. I got in through a relative of mines. No, I did not have NFCU at the time of filing. I've been with them for 5mo. now. I have a checking and saving set up with $100 dd on the 15th and 31st of each mo.

 


The DD should help.  Let us know what happens.  I think you have good chance.

Amex Plat, Amex BCP 8k->24k (5/23/12), Amex TE 15k, CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k (8/20/12), HSBC 15k, JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k
Valued Contributor
rootpooty
Posts: 1,611
Registered: ‎10-28-2011

Re: Apping for NFCU cc today...


jordanmedical wrote:
If you have online access you can send that stuff while it is in review. I sent an explanation through my messages when I applied.

+1 i recommend this OP if you havent done that already

NFCU plat 5k | NFCU cashrewards 3k | Chase Freedom 1.5k |
BOA 123 1k | Amazon 1600 | Walmart 900

On the prowl for Chase Sapphire Preferred!

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