NFCU Advice Needed

[webhopper]

Judgement 2007

90 day late on WF CC 2006,   no collections

they pulled TU..  3 times lol but worth every pull

I had like over 15 inqs on each report  most from my mortgage which took 4 and 1/2 months to get closed ...  my Ficos were like 693-694 Fico Lender pulls  I was to the point where more apps didn't hurt my score  

I have a very thick credit file...  39 tradelines...  most are PIF, never late  income 121k per yr.    I had Discover opened since 1999, Amex, and Chase opened 2012 all reporting when I apped.   My AAoA was 5 yrs when I apped... it had dropped some from adding new account... I'm firmly gardening now!

[webhopper]

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@webhopper wrote:

Judgement 2007

90 day late on WF CC 2006,   no collections

they pulled TU..  3 times lol but worth every pull

I had like over 15 inqs on each report  most from my mortgage which took 4 and 1/2 months to get closed ...  my Ficos were like 693-694 Fico Lender pulls  I was to the point where more apps didn't hurt my score  

I have a very thick credit file...  39 tradelines...  most are PIF, never late  income 121k per yr.    I had Discover opened since 2009, Amex, and Chase all reporting when I apped.   My AAoA was 5 yrs when I apped... it had dropped some from adding new account... I'm firmly gardening now!

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In my opinion there is not a good reason to wait, as they will CLI if you call in later...  might as well start aging  your account with them early.  They aren't going to deny you

[Whereis750]

Thanks guys for all the replies - love this community. Will post an update when I pull the trigger.

[DM6410]

When I opened my acct on 4/24, they pulled EQ for membership and TU for NFCU cash rewards CC. Maybe it is random which report they pull for membership/CC either EQ or TU???

[Whereis750]

Hey DM6410 thanks for the info. Would you mind telling me if and what negatives you had when you apped?

[DM6410]

Whereis750....you ask and you shall receive....

My reports are a work in progress.

EQ showed

1-paid collection from 2010

1-60 day late on 2 student loan accts from 9/11 (disputing these as my SLs were in deferrment since graduating grad school in 5/11)

2-30 day lates on my 2010 toyota car from 2010 and 1-30, 1-60 day late from my 2011 toyota car 7/11 and 8/11

1-30 day late on a now closed cc from 12/11 (tried to GW subprime card and they wouldn't budge so closed the acct - it's principal)

TU reporting the exact same except 3 paid coollections from 2006 and the same paid collection from 2010

Utilization = 1-2%, I now try to PIF every card, I may have a small bal rept on one card sometimes.

Inquires = 1-2 on each report prior to apping

Income = $70k

When I appd I only had $5 in my chkg acct and $5 in sav acct, I now have direct deposit of $50 each pay to sav, $25 to chkg

I plan to PIF my card cash rewards card with NFCU before statement reports and I will make this my daily use card.

[Anonymous]

You know I was just on the site and I have the see my offers button says you can refer Family to join or Friends!  I know there are a lot of people on this forum that would love to join I'm just saying it's good to have friends.  FYI...

[webhopper]

Friends can join if they live in your house. Otherwise they have to qualify based on military affiliation as well.

[Anonymous]

Well OK so if your a hot chick it's good to have friends!!!  hahahahahahahahah

[Whereis750]

DM6410 - thanks for this info. I'm waiting to hear back from Chase on my GW to get my lates removed from 2008/2009. I had some up to 120! But my student loans never went into collection and eventually Chase stopped servicing and Acs took over.