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I just became a member of Navy Federal Credit Union thanks to my grandfather's service in the Army. Getting to the right person to confirm my eligibility was a little painful but then very easy to get everything set up. Like many, under the offers tab was the 'pre-selected' message regarding the cashRewards card.
On the application it asked for an 'Acceptance Code*' - which I don't have nor know where I can obtain. Do I need to call in for one or expect something in the mail?
Currently my TU is 646 - with a paid/satifactory civil judgement, three derogs (EOS-CCA which I have a letter it will be deleted, Medical CA $700 from Nov 2006, and Verizon which has been disputed). My Utilization is reporting at 33% though will be under 10% as I paid most balances to zero 20 days before statement date usually 10th of the month.
So if I apply after my UTL goes down, should I count on being approved? If so, what kind of CL? I'm seeking a card over 2k to raise my UTL and establish decent credit.
Thanks in advance for your input.
@Duncanrr wrote:
They pulled TU for membership and EQ for Flagship Siggy.
Just to add...that is from your experience. May not be the same for everyone.
They pulled TU for the membership. I'll update who they pull when I apply after my UTL % decreases next week. Thanks for the feedback. Fingers crossed for good approval and good CL, also establishing myself with NFCU as next year I hope to get a new set of wheels when my promotion comes through,
good luck im apping with them too next week. let us know how it goes
Applied today! TU score 694 with one disputed derogitory account
Congratulations! Based on your creditworthiness, you have been approved for a . Your credit line will be $7,000.00. Your APR will be . You should receive your new card(s) in 7-10 business days.