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10-04-2012 08:57 PM
I was actually looking up creditpulls to see who they approve, and I was shocked as well to see the scores and limits people received. He has a nice annual income so that is working in his favor for sure.
10-04-2012 08:58 PM
Yea the collection removal should boost up his scores. It sure did with mines. That is a good idea to just wait it out and pay off your other debts before applying for any credit card. I don't know much about NFCU, but I am assuming since they are a credit union that they should be able to work with you guys situation and hook you up with a low credit limit to start and work your way up from there. If anything there is the secured credit card route to help you rebuild you guys credit score.
10-04-2012 09:16 PM
Worst case, I would try for a card with them. The worst that can happen is that they say no, and NFCU offers no-fee balance transfers. If they give you a decent rate, it would be a good opportunity to refi some revolving debt.
10-05-2012 01:18 PM
Congrats and welcome to the NFCU family! If youre on the wall about applying then follow your gut. But there is no timeline to wait to establish a relationship BEFORE applying for products. They are awesome with limits and helping you build the kind of life you want. Just be good to them! Best of luck!!!