10-13-2011 06:47 PM
It's me again so I decided to bite the bullet and apply. She said I will be notified in 1-3 days of approval. I asked if I did my father's membership online right before this and he was instantly approved why didn't I get an instant approval or denial. She reported that it could be bc his membership was so new. Has anyone ever not been instantly allowed in NFCU and then approved? I didn't even ask for anything I just wanted to get into the credit union. Is this common? Could it be because I called them and applied and the branch is closed? Now I am all anxious since I heard so many good things about them. Please share your experience
10-13-2011 06:57 PM
Update: I am so confused now bc I just pulled all three credit reports and they don't even have an inquiry from NFCU. I do have a fraud alert that is due to expire soon so this could be why but I don't even see an inquirt.
10-13-2011 07:00 PM
yes a fraud alert would be why you were not instant approved and why no inq... they won't be able to procede until you unlock a credit report for them, usually TU and EQ
10-13-2011 08:11 PM
Ohhh ok so I can wait to hear from them or call them myself. I have tried unlocking transunion and they told me I had to write a letter and since it was about to expire I said why even bother. Equifax I don't think I could find a place to remove fraud alert. I was only successful moving it off of Experian.
I know from m apping spree in the past few months I will usually call in and verify some information for them to continue process so thats why I called and didn't app online but I will call them tomorrow to see what they need.
Thanks so much.
10-13-2011 08:59 PM
I had the same issue with NAVY Federal. However, everything is fine now. I'm still a little scared because of how everything took place and I even went into a branch to confirm my identity. It was almost like they didnt want to open the accounts. I'm going to wait until after the 30 New Account period is over and then I will feel secure....LOL
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.