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Does NFCU Blacklist?

Frequent Contributor

Does NFCU Blacklist?

All,

 

Does NFCU Blacklist? I had some credit problems due to a job loss and had two Navy accounts go into collections. I settled both accounts for less than the full amount owed.


Thanks,

Phumanr

Message 1 of 15
14 REPLIES
Valued Contributor

Re: Does NFCU Blacklist?

theres some threads in here that say that they blacklist for life....

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Message 2 of 15
Established Contributor

Re: Does NFCU Blacklist?


jsickz32 wrote:

theres some threads in here that say that they blacklist for life....


WOW!!  I guess if NFCU loves hard (generous credit limits), they can hate hard too (blacklist for life)!!


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Message 3 of 15
Frequent Contributor

Re: Does NFCU Blacklist?

So take care of them!!! I will truly miss them...the best card product I have ever had.

 

Phumanr

Message 4 of 15
Valued Contributor

Re: Does NFCU Blacklist?


phumanr wrote:

So take care of them!!! I will truly miss them...the best card product I have ever had.

 

Phumanr



Sounds like you are talking from experience...what happened? (IF you dont mind sharing)



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Message 5 of 15
Moderator Emeritus

Re: Does NFCU Blacklist?

Everything I have read says they don't forgive Smiley Sad

I'm sorry Smiley Sad

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Message 6 of 15
Valued Contributor

Re: Does NFCU Blacklist?

i remember reading that they also put the person who helped you join on their watchlist if you burn them. i dont know if thats true

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 7 of 15
Frequent Contributor

Re: Does NFCU Blacklist?

They DONOT BLACK LIST! I AM LIVING PROOF. Listen..

 

I had a checking account go into collections, 40 dollar charge off. I settled a credit card for 1000 and included them into BK.

 

I talked to the bankruptcy department, volunteerly paid back all my debt and they re-opened a checking/savings for me. You must pay back every penny you owe regardless of settling and or in BK before they consider it. I threw there modo into their faces. "Once a member, always a member".

 

Im sure it may take a couple yrs before they trust you with a CC but it's worth the wait.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 8 of 15
Valued Contributor

Re: Does NFCU Blacklist?


ihatemyscore wrote:

They DONOT BLACK LIST! I AM LIVING PROOF. Listen..

 

I had a checking account go into collections, 40 dollar charge off. I settled a credit card for 1000 and included them into BK.

 

I talked to the bankruptcy department, volunteerly paid back all my debt and they re-opened a checking/savings for me. You must pay back every penny you owe regardless of settling and or in BK before they consider it. I threw there modo into their faces. "Once a member, always a member".

 

Im sure it may take a couple yrs before they trust you with a CC but it's worth the wait.


you paid them back completely. OP settled for less than owed....theres a diff

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 9 of 15
Frequent Contributor

Re: Does NFCU Blacklist?

All the OP has to DO is pay back every penny owed. Then they will be willing to offer the OP products. If one truely cared about having a good relationship with NFCU then one would pay them back completely.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 10 of 15