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Community Leader
Valued Contributor
Posts: 1,408
Registered: ‎07-12-2011
0

NFCU and "your offers"

I just recently joind NFCU and when joining, they SP'd my EQ twice for membership.  When membership was approved, I was pre-approved for Auto Loan/Refinance & 2 Credit Cards.  I'm just curious now that I'm in and currently have one VISA product with them... if I have an "opt-out" on my credit reports for solicitation of credit products, does that mean that I also won't recieve future offers from NFCU or because of my membership with them, they can and will still make me offers.  Anyone out there with and "opt-out" and an NFCU membership still get offers?  Thanks for your feedback.  Inquiring minds want to know. Smiley Tongue


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: NFCU and "your offers"

I am opted out on all three credit bureaus and I still get offers with NFCU under their 'my offers' tab

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
Posts: 1,011
Registered: ‎04-08-2012
0

Re: NFCU and "your offers"

I notice people usually get offers after they apply for something and have a credit pull from NFCU. I'm opted out too and got an offer that way.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: NFCU and "your offers"

I'm opted out; however after I sent in my paperwork for my truck refi I got the pre approved offer banner for cash rewards card. I decided to app for it on a whim and was approved with a 22k limit.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Community Leader
Valued Contributor
Posts: 1,408
Registered: ‎07-12-2011
0

Re: NFCU and "your offers"

Good stuff! Thanks! I appreciate your help.

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

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