Joining NFCU question

rckstrscott · ‎04-25-2011

For those who joined previously; I just had an epiphany of monumental potential:

So; My wife's parents were here, talking about her (my wifes) grandfather. He retired from the Army in 1973, and recieved a DoD pension until he died, then of course her grandmother (who is still alive) recieves his pension..

This, I believe from what I have read, would make her eligible (as a granddaughter) for membership to NFCU?

Is this correct?

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

Creditaddict · ‎10-23-2007

YES - It's not nearly as hard as some make it out to be, all you need is the Access number - basically that account number from grandma or whoever else in family already has one... and apply online and done.

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rckstrscott · ‎04-25-2011

Creditaddict wrote:
YES - It's not nearly as hard as some make it out to be, all you need is the Access number - basically that account number from grandma or whoever else in family already has one... and apply online and done.

Outstanding. This is great news! We decided to join a credit union last night, so I am glad the one I will be joining will be NFCU and not the local one here ha

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

rootpooty · ‎10-28-2011

Its not that simple. Grandma has to join first before your wife can join. There's lots of confusion lately on who is eligible and if you call a csr to ask I highly suggest calling again for a second opinion

rckstrscott · ‎04-25-2011

rootpooty wrote:
Its not that simple. Grandma has to join first before your wife can join. There's lots of confusion lately on who is eligible and if you call a csr to ask I highly suggest calling again for a second opinion

From the eligibilty requirements, I didn't see it mentioned that the retired military member has to belong to NFCU, only that they recieve a DoD pension...

I will find out Monday and report back what they mention..

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

webhopper · ‎09-16-2011

I agree that you likely have an "in"

Best to get copies of grandmas pension and file an application for you to join, be prepared to ask grandma to join too, because you may have to use her access number

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rckstrscott · ‎04-25-2011

webhopper wrote:
I agree that you likely have an "in"

Best to get copies of grandmas pension and file an application for you to join, be prepared to ask grandma to join too, because you may have to use her access number

Thanks! We will speak with NFCU on Monday and see what we need to do..

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

rootpooty · ‎10-28-2011

They are open 24/7 call now lol I hope you can join

rckstrscott · ‎04-25-2011

rootpooty wrote:
They are open 24/7 call now lol I hope you can join

haha unlike me and my 3rd shift, wifey doesn't keep 4am hours

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX

Link2k · ‎04-17-2012

You may need the pension/retirement info but grandma does not have to join. Their eligibility does not require her to join. If a rep says she has to you could argue with them or ask to speak with their supervisor but you are best off to call back and just get another rep who knows what they are doing or will ask their supervisor.

IME most phone reps are unaware family members don't have to join first and have to ask a supervisor before they start you up.

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