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Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

Ive waited 4 months...4 days shouldn't be too bad, WRONG

Ive waited a little over 4 months to join NFCU and I finally did yesterday by opening a savings account (opened checking account this morning - no HP).  Only pull so far was a HP on TU for membership.  I just PIF my balance on Walmart card and this will bring total UTIL from 12.5% to 1.5%.  The card cuts statement on 2nd and should post around the 4th or 5th.

 

The waiting for apping for NFCU CC is killing me now.  I was patient while waiting to join but the next couple days are going to be extremely difficult.  I expect the change in UTIL to raise my scores about 10 points.  Is the 10 points really worth me going nutts about this over the next 4 to 5 days? 

 

So close but yet so far!



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Senior Contributor
youngandcreditwrthy
Posts: 6,163
Registered: ‎08-16-2012
0

Re: Ive waited 4 months...4 days shouldn't be too bad, WRONG

Wait... Is joining NFCU easy? What are the qualifications??

10 pts could be a few percentage points difference in your apr or several hundred dollars diffs in your limit!! Of course it mattersnn
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Ive waited 4 months...4 days shouldn't be too bad, WRONG

immediate family members , parents, kids, grandparents and now roommates that contribute to the household. the OP got in cause of a roommate =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

Re: Ive waited 4 months...4 days shouldn't be too bad, WRONG

I know. Ill wait. It's just taxing :smileywink:

No. NFCU isn't easy to join. You need to be military or related to someone who is. There is an exception for roommate of member. Check there website for specific info.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012
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Re: Ive waited 4 months...4 days shouldn't be too bad, WRONG


Duncanrr wrote:

Ive waited a little over 4 months to join NFCU and I finally did yesterday by opening a savings account (opened checking account this morning - no HP).  Only pull so far was a HP on TU for membership.  I just PIF my balance on Walmart card and this will bring total UTIL from 12.5% to 1.5%.  The card cuts statement on 2nd and should post around the 4th or 5th.

 

The waiting for apping for NFCU CC is killing me now.  I was patient while waiting to join but the next couple days are going to be extremely difficult.  I expect the change in UTIL to raise my scores about 10 points.  Is the 10 points really worth me going nutts about this over the next 4 to 5 days? 

 

So close but yet so far!


They pulled TU for my membership and TU and Equifax for my CC. TU is always so slow to update for me. It usually seems to update 4-5 days after the others. There is a memo field on the application incase your TU did not reflect the updated balance. I used the field to explain a collection that had not been deleted on Equifax at the time I was applying and how I was thinking of a balance transfer but had to wait and see what the APR was before deciding. They gave me a 10.65% despite that collection. I thought it was pretty cool. I assume they physically read the applications.


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

Re: Ive waited 4 months...4 days shouldn't be too bad, WRONG

I think I'll need that box to explain my cap1 auto. Better keep it to just one bad account. But you are right, TU is slow to update.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Ive waited 4 months...4 days shouldn't be too bad, WRONG

Duncanrr has the itch!   You can do it, just a few more days and you're there!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Frequent Contributor
somnipotent
Posts: 367
Registered: ‎06-02-2008
0

Re: Ive waited 4 months...4 days shouldn't be too bad, WRONG

So wait... I work for Verizon... but I work on DoD contracts... I have a CAC... could I get an account?


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

Re: Ive waited 4 months...4 days shouldn't be too bad, WRONG

Your work for Verizon. Sorry but I can't help you now. I'm not a fan of them at all. To give you assistance would be akin to giving quarter to the enemy. Because of their policies I'm boycotting all that has to deal with them.


(But this one time. As a civilian contractor you need to be employed by firm that has contract with DoD. I doubt u could get in but I would call NFCU to ask. )


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
somnipotent
Posts: 367
Registered: ‎06-02-2008
0

Re: Ive waited 4 months...4 days shouldn't be too bad, WRONG

[ Edited ]

I just asked my buddies and sure enough, I can since I was brought in under the DoD contract which I support now.  They all have NCFU accounts.  BTW, VZ bought out, MCI who bought out my company, UUNET, you can't put us all in the same basket.  I hate VZW.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13

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