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USAA, Penfed or NFCU post bk?

Regular Contributor

USAA, Penfed or NFCU post bk?

Anybody know which one of these banks will not auto deny for a CC with a BK on file? and what CB they usually pull?

Your help is always appreciated! Smiley Happy

 

13 REPLIES
Epic Contributor

Re: USAA, Penfed or NFCU post bk?


aloush11 wrote:

Anybody know which one of these banks will not auto deny for a CC with a BK on file? and what CB they usually pull?

Your help is always appreciated! Smiley Happy

 



Navy does not care if you have improved since then.  They pull TU or EQ, lately I have found almost always EQ.  I have seen very low 600's getting approved for anything from $1k-$15k! I love them and once you prove your income, they will usually love you too!

Some or many get through with out proving income but I have not had such luck.

Regular Contributor

Re: USAA, Penfed or NFCU post bk?

Pendfed will auto deny with a BK of any kind

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Regular Contributor

Re: USAA, Penfed or NFCU post bk?


Creditaddict wrote:

aloush11 wrote:

Anybody know which one of these banks will not auto deny for a CC with a BK on file? and what CB they usually pull?

Your help is always appreciated! Smiley Happy

 



Navy does not care if you have improved since then.  They pull TU or EQ, lately I have found almost always EQ.  I have seen very low 600's getting approved for anything from $1k-$15k! I love them and once you prove your income, they will usually love you too!

Some or many get through with out proving income but I have not had such luck.


Great.. Im waiting on a family memeber to sponsor me so I can get in with NFCU. Do you know if they are inq sensitive?

Frequent Contributor

Re: USAA, Penfed or NFCU post bk?


rudy0720 wrote:

Pendfed will auto deny with a BK of any kind


That's news to me.. and probably to PenFed too.  Guess I'll have to give them back both my credit cards I have with them. Smiley Tongue

 

Regular Contributor

Re: USAA, Penfed or NFCU post bk?


jausanka wrote:

rudy0720 wrote:

Pendfed will auto deny with a BK of any kind


That's news to me.. and probably to PenFed too.  Guess I'll have to give them back both my credit cards I have with them. Smiley Tongue

 


How old is your BK? is it Chapter 7?

Regular Contributor

Re: USAA, Penfed or NFCU post bk?

Mine is a Chapter 7 and was discharge in 2004.

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
New Contributor

Re: USAA, Penfed or NFCU post bk?

NFCU doesn't care how many inquiries you have (maybe they do at some point, but it is a very high point if it exists)...

Feb. 2012: TU: 677 EQ: 647 EX: 666
Aug. 2013: TU: 729 EQ: 726 EX: 697
Goal 2013+: 720+ All Three
Frequent Contributor

Re: USAA, Penfed or NFCU post bk?

Chapter 7 2004

Established Contributor

Re: USAA, Penfed or NFCU post bk?


jausanka wrote:

Chapter 7 2004


Wow! Would you mind sharing more specifics? I.e, aaoa, income, inquires, Penfed cl and previous cl's at the time of approval?

 

Thanks

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K