Is NFCU sensitive to new TL's? My boyfriend, who is also rebuilding his credit, has had a Cap1 BB Rewardzone card and the annual fee is in May. We want to replace this card with one from NFCU. However, I added him as an AU on a few new accounts of mine (2 stores, 1 CC) and he also financed a car a few months ago.
We want to establish a relationship through them, as we plan to use them when we buy a house. His income is ~$70k (not counting any furloughs that may happen!!!). His FICO's are about the same as mine (+/- 10 with about the same average).
Starting Score: Low 500's (2011)
Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Starting Score: EQ 511 TU 552 EX 545 8/29/2012
In my recent experience, they are not new account sensitive, they aren't inquiry sensitive.
If he wants an NFCU account, there is not a good reason to wait in my opinion...
Congrats!!!
Also, consider getting the overdraft LOC, its nice, counts as revolving... and it comes with its own checkbook in case the merchant doesn't take credit cards.
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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