Re: NFCU is quick!

HoldingOntoHope · ‎09-29-2009

The poster is referring to a Black List by NFCU. Although they are extremely friendly and generous if you cross them up and charge off or BK a balance with them you are through. NFCU does not goodwill or allow you to rehab the account. You will be automatically denied credit for life with them. And there are rumors that your descendants for two generations are marked with a scarlet BR (bad risk) in their files.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL

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journey258 · ‎05-28-2012

HoldingOntoHope wrote:
The poster is referring to a Black List by NFCU. Although they are extremely friendly and generous if you cross them up and charge off or BK a balance with them you are through. NFCU does not goodwill or allow you to rehab the account. You will be automatically denied credit for life with them. And there are rumors that your descendants for two generations are marked with a scarlet BR (bad risk) in their files.

Wow! Good thing I joined AFTER I've become more responsible!

Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($12k); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.3k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1l); Dillards AMEX ($2.1k)

webhopper · ‎09-16-2011

journey258 wrote:
HoldingOntoHope wrote:
The poster is referring to a Black List by NFCU. Although they are extremely friendly and generous if you cross them up and charge off or BK a balance with them you are through. NFCU does not goodwill or allow you to rehab the account. You will be automatically denied credit for life with them. And there are rumors that your descendants for two generations are marked with a scarlet BR (bad risk) in their files.
Wow! Good thing I joined AFTER I've become more responsible!

OMG, a Scarlet BR on all my descendants files... that sounds aweful. I'm going to encourage my daughter NOT to open up a card with NFCU until she is employed full time at a REAL JOB after college. That's scary stuff

Starting Score: 08/29/2011 TU 671 EQ 674
Current 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
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!

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teekay · ‎07-18-2012

Please tell us how did you get the 0% apr and 0 BT??

calihlove75 · ‎05-16-2012

journey258 wrote:
Lol! I've logged into the account at least 20x's per day since last week just to make sure its still there. My debit card came today. Hopefully the CC comes tomorrow!

So funny, I have been logging on all day to see my account and make sure my CL says 9,000 and not 900!! Big smiles!!

100% Ficos: EX 743, TU 743, Walmart TU fico 749, EQ 744
Inquiries last 1 year/6 months: EX-2/0, TU- 5/0, EQ-1/0~
Kohls $600~Amex BCE $2000~ Walmart Discover $6000~NFCU Signature CashRewards $9000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $450~ Amazon Store $7000~ Fingerhut $1350

jordanmedical · ‎04-08-2012

You guys are making me super jealous, can't wait til my scores come up so I can get a cash rewards with an insane limit lol

-Rebuilding with CapOne Cash: $1.5k, NFCU Secured: 500, 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

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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journey258 · ‎05-28-2012

teekay wrote:
Please tell us how did you get the 0% apr and 0 BT??

That was the offer was, I didnt ask for it. But sure am glad I received it!

Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($12k); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.3k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1l); Dillards AMEX ($2.1k)

journey258 · ‎05-28-2012

calihlove75 wrote:
journey258 wrote:
Lol! I've logged into the account at least 20x's per day since last week just to make sure its still there. My debit card came today. Hopefully the CC comes tomorrow!
So funny, I have been logging on all day to see my account and make sure my CL says 9,000 and not 900!! Big smiles!!

Ha! It's slowed down to just about 5-6 now...

Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($12k); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.3k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1l); Dillards AMEX ($2.1k)

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