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Valued Contributor
Posts: 2,057
Registered: ‎07-12-2012
0

Re: NFCU CC Chances

Soooo tempted to freeze my TU and EX and apply to see if I can get something unsecured with them. I only have three inquires on EQ and now have 4 months of history with the NFCU secured nRewards. I only have two cards and would love to have a third reporting to help build.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Contributor
Posts: 76
Registered: ‎01-18-2013
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Re: NFCU CC Chances

Scupra,

 

I'm sure you would get approved for a good amount, just have to take the inquiry hit. As of now it looks like they used the inquiry they pulled when I opened the account 2 weeks ago.

PresP
2/6/15: Credit Karma: 626
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: Purchase Second Home ASAP

Cards: Cap1 Secured - $300; Authorized User on Chase Card: $5500.
Valued Contributor
Posts: 2,057
Registered: ‎07-12-2012
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Re: NFCU CC Chances


PresidentPatton wrote:

Scupra,

 

I'm sure you would get approved for a good amount, just have to take the inquiry hit. As of now it looks like they used the inquiry they pulled when I opened the account 2 weeks ago.


I have heard they use TU for checkin/savings but EQ for credit products. I am A ok with a HP on EQ just dont need another on TU as it has 5 right now I think. NFCU is hard pull happy, I would be surprised if they used the same report they looked at to open your checkin/savings account. If they did even more congrats are in order to you! Haha have a great day.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Contributor
Posts: 95
Registered: ‎01-14-2013
0

Re: NFCU CC Chances

tu for opening an account and equifax for every credit app--and that's the truth!  opened account in may 2012/tu--applied for visa in july 2012 approved for 7k with 629 equifax and 4co's from 2008--unpaid--go for it!!!!!!!!!!!!!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500

current scores: TU 761 Equifax 773Exp 742
Valued Contributor
Posts: 2,057
Registered: ‎07-12-2012
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Re: NFCU CC Chances


coachmiff wrote:

tu for opening an account and equifax for every credit app--and that's the truth!  opened account in may 2012/tu--applied for visa in july 2012 approved for 7k with 629 equifax and 4co's from 2008--unpaid--go for it!!!!!!!!!!!!!


I have the window up ready to app for the cashRewards but I think I'm too chicken! I was discharged 4 months ago and opened a secured card the day I got my discharge paperwork. I didnt even try for the unsecured, my mistake, I just wonder if 4 months of good history with them will be enough for an approval.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Contributor
Posts: 76
Registered: ‎01-18-2013
0

Re: NFCU CC Chances

DO IT! your scores are better than mine and you have been with them for 4 months!

PresP
2/6/15: Credit Karma: 626
4/23/13: TU 615, EX 600, EQ 581
1/16/13: TU 585, EX 525, EQ 514
Goal: Purchase Second Home ASAP

Cards: Cap1 Secured - $300; Authorized User on Chase Card: $5500.
Regular Contributor
Posts: 170
Registered: ‎06-24-2011
0

Re: NFCU CC Chances

I applied for the Nrewards and was declined. I have some old CC charge offs. I have no current credit cards that are active though... I think that hurt me alot. I just applied for the USAA Secured card and i guess ill just build my credit that way and apply for the NFCU card in about 6 months or so.

USAA Mastercard-$2000 USAA Visa-$2000 USAA SC-$500 NFCU-$12500 Walmart-$800 BestBuy $1000 Navcheck 3000



2-4-14 Gardening
Valued Contributor
Posts: 2,057
Registered: ‎07-12-2012
0

Re: NFCU CC Chances


Bleety17 wrote:

I applied for the Nrewards and was declined. I have some old CC charge offs. I have no current credit cards that are active though... I think that hurt me alot. I just applied for the USAA Secured card and i guess ill just build my credit that way and apply for the NFCU card in about 6 months or so.


I have heard the USAA secured card does not graduate, please correct me if I'm wrong, the NFCU secured nRewards gets a review at the 13th statement with a possible graduation. The rewards are also pretty goo. Food for thought, good luck!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Regular Contributor
Posts: 170
Registered: ‎06-24-2011
0

Re: NFCU CC Chances

With all the bills I'm paying of this month, I don't have an extra 500 right now. Figured I would start with the usaa secured and then next month get the NFCU secured and then stick with those both for awhile until my scores get good enough for an unsecured.
USAA Mastercard-$2000 USAA Visa-$2000 USAA SC-$500 NFCU-$12500 Walmart-$800 BestBuy $1000 Navcheck 3000



2-4-14 Gardening
Community Leader
Valued Contributor
Posts: 2,402
Registered: ‎11-29-2012
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Re: NFCU CC Chances

Well scupra, did you pull the trigger?


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
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