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Frequent Contributor
Chrisla2077
Posts: 365
Registered: ‎04-26-2010
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Navy FCU Secured Denial

Anyone ever been denied a Navy FCU Secured CC...I?


Starting Score: EQ Fico: 506 12/14/2011 Experian FAKO: 496 Trans FAKO 478
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Revelate
Posts: 9,647
Registered: ‎12-30-2011
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Re: Navy FCU Secured Denial

Probably not, heard one was closed for legal reasons (court snatched the deposit) but can't think of a denial posted here at any rate.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
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tonyaether
Posts: 341
Registered: ‎06-04-2011
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Re: Navy FCU Secured Denial

I have never seen it in any posts either. Have you had any credit with them before that was unfavorable or anything?

Current Scores: 08/2013 EQ - 779(FICO), TU98 - 783(FICO ), TU08-818(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
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Frequent Contributor
Chrisla2077
Posts: 365
Registered: ‎04-26-2010
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Re: Navy FCU Secured Denial

Never had a card with them, but my credit is pretty screwed, so I just need a good acount on there. I was denied a Cap 1 secured...so if NFCU denies me...I'll be in Chapter 7 land.


Starting Score: EQ Fico: 506 12/14/2011 Experian FAKO: 496 Trans FAKO 478
Current Score: EQ FICO: 552 6/1/2014 Experian FAKO: 604 Trans FAKO 551 06/01/2041
Goal Score: 750


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Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
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Re: Navy FCU Secured Denial

I've never seen a denial. I had horrific collections and they gave me a chance but I didn't have a BK. Give it a shot you should be good to go
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
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scores 7/14 647 622 630 (85%util)
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jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
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Re: Navy FCU Secured Denial

I was at  494 and was approved, after being declined for cap one. Re-tried cap-one and was approved.

-Rebuilding with CapOne Cash: $1.5k, 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 (closed 1st home 05/08/13)
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)
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Sweets8E
Posts: 262
Registered: ‎03-07-2009
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Re: Navy FCU Secured Denial

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.


Starting Score: 686 TU / 683 EQ 01/17/2013
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Frequent Contributor
Chrisla2077
Posts: 365
Registered: ‎04-26-2010
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Re: Navy FCU Secured Denial

[ Edited ]

Appreciated that answers everyone!

  

 jordanmedical..I have beyond horriffic collections.. so that's good to hear. How long after you received Navy's secured were you approved for Cap 1? I've been denied by them more than once.

 

 

Sweets... how long did they take to unsecure your card, if I may ask?


Starting Score: EQ Fico: 506 12/14/2011 Experian FAKO: 496 Trans FAKO 478
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Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Navy FCU Secured Denial

+1   Have never heard of a secured card denial from NFCU.


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