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New Contributor
alessandrom
Posts: 72
Registered: ‎12-20-2012

NFCU

[ Edited ]

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

Contributor
coachmiff
Posts: 94
Registered: ‎01-14-2013

Re: NFCU

your inn-congrats!

Navy Siggy Cash Rewards 25K , Navy Flagship visa 17k Navy Check 15K, Navy Platnium Visa 7K, USAA Am Exp 11.5K, USAA MC Rate Advantage 11.5K, Discover IT 5.5K, PayPal Extras MC 5K, Chase Military Star MC 2.5K, Military Star 5.35k, Wallmart discover 2.5k, Amex bce 6k,Boa cash rewards 5k,Amazon Visa 500

current scores: TU 761 Equifax 773Exp 742
New Contributor
alessandrom
Posts: 72
Registered: ‎12-20-2012

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!!! :smileysad:



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

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09Lexie
Posts: 24,202
Registered: ‎09-13-2012
New Contributor
alessandrom
Posts: 72
Registered: ‎12-20-2012

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

Frequent Contributor
dddfresh
Posts: 391
Registered: ‎01-11-2013

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
Valued Contributor
Scupra
Posts: 1,134
Registered: ‎07-12-2012

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
691 EQ FICO 06/2014
684 TU FICO 06/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival +
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Valued Contributor
starry1
Posts: 2,067
Registered: ‎11-29-2012

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: 6/2614 TU 624; EQ 635; EX 610
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (closed) / Fingerhut $1300 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k
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dodgeball
Posts: 761
Registered: ‎10-16-2007

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

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New Contributor
alessandrom
Posts: 72
Registered: ‎12-20-2012

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


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