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NFCU...I CAN join!!!!! UPDATE.......I'm an official MEMBER!!!!!!!!!

Senior Contributor

Re: NFCU...I CAN join!!!!!

Do they do a hard inq to open an acct....not necessarily app for a cc.


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 11 of 20
Moderator Emerita

Re: NFCU...I CAN join!!!!!

No, they don't --I can verify this from personal experience.

In fact, I still haven't seen a soft on EQ for opening my share (savings) and draft (checking) accounts.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 12 of 20
Senior Contributor

Re: NFCU...I CAN join!!!!!

Thanks for the info!!!  Smiley Happy


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 13 of 20
Moderator Emerita

Re: NFCU...I CAN join!!!!!

Keep us posted!

In a grim effort to get my AAoA up to 5 years and keep it there, I haven't app'd for any Navy stuff yet. I was just glad to get my foot in the door.

Congrats on bustin' your way in as well!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 14 of 20
Contributor

Re: NFCU...I CAN join!!!!!

It's not so cold.. 60 today.. lol road my motorcycle.. well I do that daily anyway.

 

I got in as a contractor too.. i worked on site and signed up online.. they may have not known if I was gov or not based on my contact info.. *shrug* this was a few years back..

7/16/09 - EQ 684, TU 691

7/25/09 - EQ 682 (-2) 7th INQ did it.
8/21/09 - EQ 684 Bounced back from the Inq even though none expired. There was a new credit account opened on the same day. *shrug*
10/23/09 - EQ 691
Message 15 of 20
Regular Contributor

Re: NFCU...I CAN join!!!!!

Congrats, Mo!!!

 

You will be happy w/NFCU. If you are good with your credit (and I know that you are), they will be good to you. When you app for credit products with them, remember that they pull EQ exclusively. With your EQ score, you should have NO problem getting approved for anything that you app for.

 

Congrats again!! You deserve it!!

 

Jelly


Starting Score: 615 EQ (1/1/10); 655 TU (12/31/09); 604 EX (10/20/09)
Current Score: 660 EQ (10/29/10); 676 TU (LO pull 4/21/10); EX 666 (LO pull 9/21/10)
Goal Score: 780


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Message 16 of 20
Member

Re: NFCU...I CAN join!!!!!

Have a 728 Equifax - just applied to NFCU for an auto loan.  Was turned down by DCU and PENFED a few months ago due to overusage of credit cards.  Score was lower as well - around 690. 

Does NFCU give that much weigh to credit card usage?  Otherwise, have a great credit history for 30 years.  Made a mistake of closing a few cards after they were paid off.  Then the economy bombed, used some cash from my remaining cards. 

Anyway, was wondering if anyone had an opinion as to how NFCU looks at it.

Retired Lt.Col, USMC 22 yrs service. 

Message 17 of 20
Senior Contributor

Re: NFCU...I CAN join!!!!!

WOO HOO...just joined!!  Smiley Very Happy


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 18 of 20
Established Contributor

Re: NFCU...I CAN join!!!!!


BungalowMo wrote:
WOO HOO...just joined!!  Smiley Very Happy

 

Congrats Mo!!!!  I am patiently waiting for my sister-inlaw to join, followed by my brother and then its my turn!  No matter what I have done, my EQ scores are still trashed...patience!

Starting Score: TU:537
Current Score: TU:683 (3/11/10)
Goal Score: TU:740


Take the FICO Fitness Challenge
Message 19 of 20
Highlighted
Senior Contributor

Re: NFCU...I CAN join!!!!!


aquatic1 wrote:

BungalowMo wrote:
WOO HOO...just joined!!  Smiley Very Happy

 

Congrats Mo!!!!  I am patiently waiting for my sister-inlaw to join, followed by my brother and then its my turn!  No matter what I have done, my EQ scores are still trashed...patience!

AHA....membership by association!!!  Smiley Wink  Good for YOU!  If I hadn't heard that commercial, I'd still be divising a way I could join too!



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 20 of 20