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*UPDATE* PSECU or NFCU

Moderator Emeritus

Re: PSECU or NFCU

Also my husband had a recent chargeoff and collection but he was still approved for 4k with nfcu

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!



Take the myFICO Fitness Challenge
Message 11 of 28
Frequent Contributor

Re: PSECU or NFCU

Web my 2paid CAs are from 2008 and 1 from 2010...both occurred when I was deployed

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
Message 12 of 28
Mega Contributor

Re: PSECU or NFCU


AvaMommy wrote:

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?


I think you'd be good for both.

 




EQ FICO 548 3/3/16
Message 13 of 28
Frequent Contributor

Re: PSECU or NFCU

Were they paid @Web?

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
Message 14 of 28
Frequent Contributor

Re: PSECU or NFCU

You think I'll be good for the PSECU  PSL/Visa and the NFCU cc? Given my stats

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
Message 15 of 28
Senior Contributor

Re: PSECU or NFCU

NFCU for sure. PSECU, I don't know, but probably. PSECU is a little more conservative than NFCU, but many here got their credit products w/o perfect credit.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Message 16 of 28
Mega Contributor

Re: PSECU or NFCU


AvaMommy wrote:

You think I'll be good for the PSECU  PSL/Visa and the NFCU cc? Given my stats


Maybe not the Combo but the visa you should be good.

 




EQ FICO 548 3/3/16
Message 17 of 28
Frequent Contributor

Re: PSECU or NFCU

Should I call to  app or via online?

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
Message 18 of 28
New Contributor

Re: PSECU or NFCU

Online you may get instant approval. 

In the garden, Sep 10, 2015.
Message 19 of 28
Senior Contributor

Re: PSECU or NFCU

With Navy, it doesn't matter. They seldom, if ever, give an instant answer. Their apps usually need to be reviewed by a human. Sometimes they want to confirm info, like paystubs. Usually they will reply in a day or two via their online message.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Message 20 of 28