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Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

*UPDATE* PSECU or NFCU

[ Edited ]

****YOUR CREDIT CARD HAS BEEN APPROVED! THANK FOR CHOOSING NAVY FEDERAL, EXPECT YOUR CARD IN 7-10 DAYS.****

 

Scared to check the CL...I know I know

 

Thank you everyone for advising me to pull that trigger....

 

Is PSECU or NFCU inq sensitive...seeking to either do the PSL/Visa with PSECU or either the cash rewards with NFCU? I have a quite a few from lender pulls when I was seeking a second home. I currently have the Bank of America 123 (opened this month) 5K and their Platinum Plus (opened last month) 3K=273 balance, Orchard Bank $320=0 balance, JARED (AU), Sears (AU). I have 1 CO and 1 CA UNPAID (under dispute not mine), 2 paid CA. Last time anything neg was on my credit was 1.5 yrs ago. AAoA is 7 yrs and salary is 115K.

 

I would apply for a CHASE (thats who holds my current mortgage), Citi (paid CA is with Citifinancial from 2008), AMEX (app'd last month for the green card...denied...however that was before my major cleaning on credit report).....but Terrified of denials so I rather walk in with a STRONG possibility or  DEFINITE. 

 

FAKO EX 565, EQ 550, TU 602 8/2012

FICO EQ 633 TU 637 (not reporting new credit limit on bofa) 9/2012

FAKO EX 643 (Reporting new credit limit on bofa)

 

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: PSECU or NFCU

Nfcu is NOT unquiet sensitive at all.....

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Frequent Contributor
Posts: 498
Registered: ‎01-29-2009
0

Re: PSECU or NFCU

[ Edited ]

i would say if you are trying to choose between the two and have access to both... Go with NFCU .. they seem to be more lenient than Psecu. 


Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: PSECU or NFCU

I agree. Nfcu is awesome!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: PSECU or NFCU

Given the amt of inquiries I have?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: PSECU or NFCU

I had over 15 inqs when I applied for cash rewards card and over 18 when I applied for navcheck.

I got a 22k cash rewards card
I got a 15k navcheck line of credit.

Nfcu does not care about inquiries.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: PSECU or NFCU

Did you app for both the same day or....? Do you have PSECU?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: PSECU or NFCU

PSECU pulls EX and NFCU pulls EQ and TU, usually. If you're lucky enough to be a member of both, I would do a CC with NFCU and PSECU's combo visa/loc. Navy will pull separately for each credit product. Plus, their loc is 13.9% if memory serves. PSECU will do both visa/loc combo with one pull from what I read last year. That will help with your util. 

 

I missed the PSECU cutoff by a day last year and they wouldn't let me in. You're lucky to have both! :smileyhappy:

 

It doesn't really matter whenyou app since they pull diff CRAs. 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: PSECU or NFCU

Bichonmom you Rock along with Web!!!!! Valuable info.....

 

Thanks to crashem...suggested I join both!!!! Thanks

 

Do you think my current amt of inquires and 2 paid CA may deny me?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: PSECU or NFCU

Nope... I have a paid judgement... mine is old... but amex didn't care neither did nfcu.

I would think that if those things are more than 2 yrs ago you should be fine

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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