Frequent Contributor
Posts: 316
Registered: ‎04-07-2012


I know if you have the same address as a current member you are eligible for membership. However, as an adult, I will not be giving up the comforts of my own space to live with my brother and his family.


I'm leaving well enough alone. If they close the LOC or not, I'm  fine with it.

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012


I jumped through some hoops on the front end and gave it some time and when I finally was able to apply it was a really painless process.  Not a single problem (didnt even need to send a copy of the utility bill in roommate's name.  However, I did have a phone setup in his name for a couple months before I applied and we applied basically at the same time (I applied right after he got his authorization number).


Today, I added my sister to NFCU without any problems.  There must be something in their computer system that sees something it didnt like with your application.  I know that doesnt make it any easier for you since you wasted those HP's.  I wasted $75 trying to join PSECU (while not the same as HP's) I understand your position.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.