Need some ideas

[Anonymous]

Ok, give me some thoughts. Maybe in about 3 years i'm going to be shopping for a mortgage. My parents are members of nfcu and from what I see they are really good lenders.  My question is, should I just join nfcu and keep the checking account or apply for one of their CCs.  I was thinking having a CC with them would show them payment history internally and help me with then in the long run.  Right now I have a Discover, Capital one and BOA amex.   Thanks!

[oracles]

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@Anonymous wrote:
Ok, give me some thoughts. Maybe in about 3 years i'm going to be shopping for a mortgage. My parents are members of nfcu and from what I see they are really good lenders.  My question is, should I just join nfcu and keep the checking account or apply for one of their CCs.  I was thinking having a CC with them would show them payment history internally and help me with then in the long run.  Right now I have a Discover, Capital one and BOA amex.   Thanks!

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Hi Turbo

I think you should definitely at least join right now. I am so jealous that you are eligible. I want to be a member badly lol.

As far as getting a credit card, what are your scores. Do you have high util%. Do you have any baddies?

I have read that NFCU is good even if you have some baddies.

Not only having a CC with them and showing great payment history will help, but also using them for your checking and savings will look good to them as well.

Hope this helps and keep us updated 

[bamagirl1]

i would do it turbo..i have some past baddies 5+ yr ago (with a bk) everything else is iib about 9 accts..nothing bad since then..i love them for the most part except how they did me on inquiries..i'm even considering a re-fi w/them..but get in, who knows between now and 3 yrs from now what could change.

[haulingthescoreup]

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turbowrx wrote:
Ok, give me some thoughts. Maybe in about 3 years i'm going to be shopping for a mortgage. My parents are members of nfcu and from what I see they are really good lenders.  My question is, should I just join nfcu and keep the checking account or apply for one of their CCs.  I was thinking having a CC with them would show them payment history internally and help me with then in the long run.  Right now I have a Discover, Capital one and BOA amex.   Thanks!

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I'd join and get a card as well, to get some history going as you said.

Make sure that you've shined up your reports, including util, right beforehand. Concentrate on EQ, although bamagirl's comment about inqs makes me wonder if they sometimes pull all three.

Anyway, having a CU card, which typically has higher CL's, sounds like great insurance these days.

One of the many great things about dealing with Navy, USAA, PenFed, and other big CU's is that they have so many different things to offer. If you get in with them in one area, it's bound to help in others.

[Anonymous]

Thx. I think i'm gonna go for it. I hope NFCU gives high limits 

By the way i sent you a message hauling

[haulingthescoreup]

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turbowrx wrote:

Thx. I think i'm gonna go for it. I hope NFCU gives high limits 

By the way i sent you a message hauling

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Got it, and no prob. It's like walking through minefields sometimes!