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Regular Contributor
Chaos122
Posts: 204
Registered: ‎12-20-2010
0

Re: PSECU or NFCU

Yeah, app for both and let us know how it goes.  psecu is a little more conservative, but if you quality for their cad you can get an awesome limit, with them you either qualify or you dont, meaning they will deny you for a 2k limit same as they would deny you for 10k.  Hope you get both cards,  Good luck to you.


Starting Score: TU 608, Eq 618
Current Score: TU 755 Eq 746, Ex 770(psecu)
Goal Score: 780 across the board


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Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: PSECU or NFCU

Do you have DD with NFCU?  If not after you apply over the phone or online and most likely get the 3-5 day message wait the next day I would fax them your proof of income.  Sometimes they request it and sometimes they dont.  However some posters here have mentioned faxing their proof of income and the success with doing it.  I cant give insight with PSECU cause I dont deal with them.  I would also wait until the investigation updates with your dispute.  If its truely not yours then your best bet is to wait until its removed and updated report.  You have a strong AAOA and great income so I have no doubt they will beat that 5k limit with BOFA.

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012
0

Re: PSECU or NFCU

Root...Ive had the acct for 2 wks now and last week friday I deposited $500 in there and have $100 DD going in there starting at the end of this month since I primarily bank with USAA. With the dispute its been almost 6 months of constant back and forth. Meaning I dispute those 2 acts then the CA verifying it (with a simple name, dob, address and ssn) and the CRA accepting it...its getting frustrating since I have worked on my credit for the past month and gotten everything off except for CA and CO which is not mine and the 2 accts which is PAID back they refuse to remove it.  THANKS 

 

 

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
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: PSECU or NFCU

Yes, they were paid in march, he applied to nfcu in june.

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
AvaMommy
Posts: 297
Registered: ‎08-08-2012
0

Re: PSECU or NFCU

So I pulled the trigger for NFCU! I called and they said it would take 3-7 days. I printed my paystub just incase. Should I fax it now, wait till tomorrow or just wait the 3-7 days? Do I fax the copies of my paystub to anyone or a specific dept? Suggestions

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
Community Leader
Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
0

Re: PSECU or NFCU

If you can get into PSECU, I would definately do that while you are still in PA.  I wish I could get into that CU for the EX FICO scores.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012
0

Re: PSECU or NFCU


DaveSignal wrote:

If you can get into PSECU, I would definately do that while you are still in PA.  I wish I could get into that CU for the EX FICO scores.


I am with PSECU as well but I have 1 last thing to clear up before I pull that trigger. Im actually in Maryland. When you app'd for your NFCU cc did you have to fax anything or did you just wait it out?

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
Community Leader
Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
0

Re: PSECU or NFCU

I signed up for membership online for the purpose of getting a credit card, but it was taking to long to get my account info so I called them a few days later and was approved for a credit card over the phone instantly.  I don't remember sending them anything.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k

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