Reply
Contributor
ottergo4
Posts: 88
Registered: ‎10-28-2008

NFCU Acceptance Number Letter

 Got a letter in the mail today wondering if I wanted to apply for the nRewards card(joined in Dec.). It gives an acceptance # to enter when applying. Was going to wait a few months but,.....  Anyone get this letter? Is it like a pre-approval( no sure thing), or something better or just a random letter sent to all members? Did not mention anywhere that it was a pre-approval, just gave an acceptance #. Thanks for any info.
Regular Contributor
REgnlor
Posts: 162
Registered: ‎02-07-2008

Re: NFCU Acceptance Number Letter

I joined last February, got Flagship Visa and LOC. Got the letter about a month ago and decided to apply for it Jan 15.  I don't think it's a preapproval letter but I gave the acceptance number to the CSR and it took 5 days for approval.  However, you know you can't really go wrong with NFCU. They're my fav!!

Starting Score:EQ 560t> TU 560EXP 570
Current Score:EQ 674t> TU 697EXP 700
Goal Score:EQ 700> TU 700EXP 700>

Take the FICO Fitness Challenge
Contributor
ottergo4
Posts: 88
Registered: ‎10-28-2008

Re: NFCU Acceptance Number Letter

  Thanks RE,  Anyone else get this letter?
Member
goodnplenty
Posts: 5
Registered: ‎10-19-2008

Re: NFCU Acceptance Number Letter

My sister just received this letter about a week ago.  She was turned down two months ago (550 fico), but approved after calling in with the acceptance number.  Her approval took about 4-5 days. She was approved for a $1500 nRewards MC.  HTH!

Frequent Contributor
iltph
Posts: 356
Registered: ‎02-28-2008

Re: NFCU Acceptance Number Letter

I received a letter too. I tried entering the number on the website, but it says it doesn't match my member id.

 
I applied last month for the nRewards with a 620 EQ and was denied. I had two collections -- one five years and the other almost seven years old for a total of $200 along with three chargeoffs (two reporting 0 balance once was reporting $7,500). I've had a student loan with no lates that is six years old along with two CCs the past 12 months. My income is $75,000. I couldn't believe I was denied, however I was offered the secured card. sad.gif
 

Now I have two COs instead of three like last month (on EQ). My two collections should be deleted any day now. After my last baddie falls off on EQ in July the only negative thing I'll have is four 30 day lates that range from 4-6 years old. I'm planning on applying for the nRewards again (using the acceptance number) this month after my two collections fall off. If I get denied again this month then I will reapply in July.

-------------------------------------------
April 2009: TU 768
March 2009: EQ 671
February 2009: EQ 666
January 2009: TU 667 | EQ 620 | EX 669
December 2008: TU 651 | EQ 625 | EX 649
April 2008: TU 642 | EQ 636 | EX 635
November 2007: EQ 542


November 2006: EQ 501
Frequent Contributor
moondog7324
Posts: 488
Registered: ‎04-09-2008

Re: NFCU Acceptance Number Letter

Did you apply? NFCU has been very nice to me. I started with  a secured card, refinanced my auto loan and got a 5000 line of credit for the NAVCHEK. My secured hits the year mark in March- I might try to get a mortgage through them after the year. I'm curious if they will up the amout- It's secured at 1000 now.
Frequent Contributor
iltph
Posts: 356
Registered: ‎02-28-2008

Re: NFCU Acceptance Number Letter

I applied again and got the 3-5 business day notification. I ended up being approved for $17,500. :smileyhappy: This is the one and only BANK card that I really wanted and won't be applying for anymore.
-------------------------------------------
April 2009: TU 768
March 2009: EQ 671
February 2009: EQ 666
January 2009: TU 667 | EQ 620 | EX 669
December 2008: TU 651 | EQ 625 | EX 649
April 2008: TU 642 | EQ 636 | EX 635
November 2007: EQ 542


November 2006: EQ 501
Contributor
ottergo4
Posts: 88
Registered: ‎10-28-2008

Re: NFCU Acceptance Number Letter

 Congrats iltph!   I still haven't applied yet. Waiting for BOA card to hit 1 year mark next month but am getting itchy after seeing your post. Did you apply online using the acceptance # ?. And did you need to send in POI,etc. afterwards.?
Frequent Contributor
iltph
Posts: 356
Registered: ‎02-28-2008

Re: NFCU Acceptance Number Letter

No, the acceptance number wouldn't work for me online so I called and applied. I didn't have to provide POI. I switched my wife and mine's direct deposit over to our checking account with them over a month ago so they could have just seen the direct deposits for proof.
-------------------------------------------
April 2009: TU 768
March 2009: EQ 671
February 2009: EQ 666
January 2009: TU 667 | EQ 620 | EX 669
December 2008: TU 651 | EQ 625 | EX 649
April 2008: TU 642 | EQ 636 | EX 635
November 2007: EQ 542


November 2006: EQ 501

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+