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I was wondering the same thing. What are the odds of me being approved for a CLOC from NFCU. I just opened my own checking and savings accounts using my husband a( a govt. employee and a vet) as a sponsor. My credit profile is 731 TU, 687 EX, 665 EQ with one charge off from 2014. I also have a paid medical collection that is reporting as paid and no public records. I do have 10 inquiries on my TU and 12 on my EQ as I went on a spree this past summer to build my credit. Will it hurt my chances that I am a new member? Also, does anyone know if opening account balances affect odds for approval?
Thanks in advance for any information, experiences and/or guidance.