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I want NFCU

Contributor

Re: I want NFCU

yep just a little impatient and planning for future.

 

What did your credit report look like when you got Amex Zync.  That's a card I would like in the future.

Message 21 of 24
Valued Contributor

Re: I want NFCU


jconvinced wrote:

yep just a little impatient and planning for future.

 

What did your credit report look like when you got Amex Zync.  That's a card I would like in the future.


AMEX pulls EX and it had the least amount of inqs. (around 3 or 4 at that time) 1 "paid" collection from 2007 (which was incorrect and now removed) 3 CO's from 2006. ~$94k student loans. mortgage current with 3-30 day lates in 2007. 2 Cap1 cards perfect history (opened in May 2011). EX FICO was ~564 when i got approved i believe. No recent baddies, No BK's and a six figure annual salary.

 

However, I did get approved it was for $500 hardlimit. It doesn't bother me though. I've replaced my debit card with it and have averaged about $2k per month through it since I got it in June, but I have to make big payments each week to do that.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 22 of 24
Frequent Contributor

Re: I want NFCU

I just called and they said my father has to be disabled to apply ? I don't know.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 23 of 24
Moderator Emeritus

Re: I want NFCU


Brian_Trying_700 wrote:

I just called and they said my father has to be disabled to apply ? I don't know.


 

They haven't let MVV join and he was 100% disabled marine.

To the original poster. Call the utility company and pay the bill directly to them.. then send a letter asking them to remove the collection. Or you can send a pay for deletion letter. My advice to you would be to check out the rebuilding forum and get ideas on how to get rid of the collection.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 24 of 24