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webhopper
Posts: 6,616
Registered: ‎09-16-2011

Re: PSECU or NFCU

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‎09-16-2012 08:13 PM

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 (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
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AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: PSECU or NFCU

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‎09-16-2012 08:14 PM

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
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LS2982
Posts: 14,393
Registered: ‎04-09-2011

Re: PSECU or NFCU

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‎09-16-2012 08:14 PM

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.

 



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: PSECU or NFCU

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‎09-16-2012 08:19 PM

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
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AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: PSECU or NFCU

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‎09-16-2012 08:21 PM

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
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bichonmom
Posts: 3,131
Registered: ‎05-05-2011

Re: PSECU or NFCU

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‎09-16-2012 08:32 PM

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 731 | TU FICO 751 (Walmart) | EX FAKO 748 | Goal: 800+

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

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Mega Contributor
LS2982
Posts: 14,393
Registered: ‎04-09-2011

Re: PSECU or NFCU

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‎09-16-2012 08:33 PM

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.

 



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: PSECU or NFCU

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‎09-16-2012 08:46 PM

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
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Valued Member
mfoxxx
Posts: 40
Registered: ‎01-01-2012

Re: PSECU or NFCU

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‎09-16-2012 08:49 PM

Online you may get instant approval. 

In the garden, January 18, 2013
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bichonmom
Posts: 3,131
Registered: ‎05-05-2011

Re: PSECU or NFCU

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‎09-16-2012 08:56 PM

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 731 | TU FICO 751 (Walmart) | EX FAKO 748 | Goal: 800+

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

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