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NFCU

New Contributor

NFCU

Applied for the nRewards yesterday received the 3-5 message. I wake up today the app still pending but i see that they pulled my transunion report twice both for membership and for the CC application (ouch). im anxious to know the outcome of this! I currently Have 2 inquiries on MY TU with their 2 = 4 in total. My TU Fico is 640 Atm because of high util. No lates or any derogatory information on any of my reports whatsoever. My oldest account is a year old. At this point im wondering if ill be approved. Any input would be appreciated. Thanks

 

 

Update: Received a call from an Analyst that told me they needed proof of adress social security and state id. He told me to expect a decision 24 hours from the time i fax it. Is this a good sign?




Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Message 1 of 28
27 REPLIES
Regular Contributor

Re: NFCU

your inn-congrats!

Navy Siggy Cash Rewards 25K , Navy plat visa 25k,navy go 25k, Navy Check 15K, , USAA Am Exp 18K, USAA MC Rate Advantage 18K, Discover IT 18.5K, PayPal Extras MC 7.5K, Chase Military Star MC 2.5K, Military Star 8.05k, Wallmart discover 7.5k, Amex bce 25k,Boa cash rewards25k, southwest chase 4k, nasa cr 30k,nasa rew 5k,barc rewards 25k=279k+ scores 750 across the board
Message 2 of 28
New Contributor

Re: NFCU

So after faxing the documents I received a message that they wanted me to present the documents in person. I tried calling them and telling them I live very far from a branch but they wouldn't comply. So I drove almost 2 hours to get there. Let's just hope after all this my application doesn't come back rejected that would suck!!! Smiley Sad



Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Message 3 of 28
Moderator Emerita
Message 4 of 28
New Contributor

Re: NFCU

Does anyone know if this is a good sign? If they were going to reject me why would they want documents and make me drive two hours. At this point I don't know.... but the wait is killing me!!!



Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Message 5 of 28
Frequent Contributor

Re: NFCU

Have you had fraud on your report or something? Asking for ridiculous limit? Bk? Very odd but I wouldn't say its bad. Glad they're cautious for our own security. Its worth the wai

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 6 of 28
Community Leader
Senior Contributor

Re: NFCU


alessandrom wrote:
Does anyone know if this is a good sign? If they were going to reject me why would they want documents and make me drive two hours. At this point I don't know.... but the wait is killing me!!!

If they are asking for doc's that is a good sign!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 7 of 28
Valued Contributor

Re: NFCU

Same thing happened to me this week.  They made me bring documents into a branch and then approved me.  


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 8 of 28
Established Contributor

Re: NFCU

you will be alright

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 9 of 28
New Contributor

Re: NFCU

No fraud on any of my files. Thank you all I guess I'll wait it out I already took the pulls if I don't get approved I probably will in the future. At least I made it in smoothly...



Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Message 10 of 28