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My Step Son is in the Marines. He is not a member of NFCU and is over in Afghanistan right now. I don’t know his SS# just his DOB and unit info etc, email, address and his rank. He’s been in since 18yrs old and has done 18yrs, can retire in 2 but wont lol! Anything else I would need to know?
I would love to get in the door with NFCU after everything great I have heard. Am I better off for say the next 6mo just becoming a member and let some other things fall off my CR before trying for a CC? And which Card?
Here’s my back ground, looking for input:
AAoA 2yrs 8MO ~ Oldest Open 9yrs 9mo Shortest 3mo
TU Fico 579 ~ EQ Fico is 598 as of 3/13/13
HP: TU-5~ EX-2 ~ EQ-4
CC Good standing
Orchard Bank 300 CL~ Last mo showed 283.00 …paid down to 0.00 and updates 3/16/13~ 13mo old
Credit One: 550 CL~ 0 balance ~ 3mo old
Matrix Discover: 300 CL~0 balance~ 5mo old
Capital one: 500 CL ~0 balance 5mo old
Sams Club Discover ( AU) 8620.00 CL ~8249.00 bal ~ 7yrs 4mo old
Discover ( AU) 6,600 CL~6,173.59 bal ~9yr 9mo
Negative:
Cap 1 CO balance was 1380.77, CL 500 ~now paid off 3/8/13 and waiting for update to 0.00 and will fall off 1/17
Cap 1 CO balance was 1395.43, CL 500 ~now paid off 3/8/13 and waiting for update to 0.00 and will fall off 1/17
Cap1 Judgment will be removed 60-90 days from 3/8/13
Cap1 Judgment will be removed 60-90 days from 3/8/13
MRC Judgment not paid 6,500.00 will fall off 11/14
Tax lien PD will fall off 4/15
Foreclosure will fall off /16
I would wait and let that stuff fall off. Your scores are bound to jump up putting you at a better chance for a higher CL and lower the risk of a denial.
I was wondering the same thing and also let my new cards get some age on them, I am wondering since I am AU on sams club and its not my oldest line would it help or hurt me to take me off it as AU until DH and I get it paid down?
What is the MIN score you would recommend before trying? Do I have to have a certan score to be a member or just to Ap?