Starting Score: EQ Fico: 506 12/14/2011 Experian FAKO: 496 Trans FAKO 478 
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 648, Wally TU 673, EX 687 (06/15/13)
Goal Score: 680 in all three (01/01/14)
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Starting over in the garden...my seed has been planted:-)Last app: 02/23/2013
When I went into an NFCU branch last year to app for a secured card the person I sat with explained to me that NFCU would not deny a member a secured card because it was secured with your own money. Now I'll add to that in saying when you do apply, chances are if you have accounts with them that are in bad standing ie past due, unpaid, etc, then of course they're not just going to let you open a secured card because they would want you to take care of your past due balances with them first.
NFCU is a very lenient credit union. Once you do right by them, they'll take care of you. If you start messing up, they even try to work with you to get you back on track. I wished that I had tried them first for my secured card last year before wasting pulls with BOA, Cap1, and other places. They just unsecured my card a few weeks ago and gave me an increase so do try.
+1 Have never heard of a secured card denial from NFCU.
Starting Score: 504Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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