submitted application to NFCU

Jess21 · ‎11-06-2014

So i went ahead and submitted a pre approval application to NFCU for the 30yr homebuyers choice.

My husband has perfect credit but a short credit history

joint income of about 65k

car payment $431

CC debt $200

I have some old baddies in my credit like late payments on my school loan from 5 years ago (they are currently deferred)

late payment on credit card from 6 years ago (all update ever since)

Do you forsee any problems

barclays FICO says 699

Discover 709

Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700

BeingMaryJane · ‎11-09-2014

Good luck! Keep us posted!

Jess21 · ‎11-10-2014

The loan officer said she was going to call me back with an answer today but nothing yet. It is 1:40pm here....I feel like she should have called already if it was good news

Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700

StartingLifeOver · ‎11-28-2014

@Jess21 wrote:
The loan officer said she was going to call me back with an answer today but nothing yet. It is 1:40pm here....I feel like she should have called already if it was good news

Hi Jess21,

Did you ever get an answer from the LO? I'm curious about the requirements for the 100% financing loan.

NFCU Cash Rewards $16,100/FNBO Platinum $9.100/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $1000/Neiman Marcus $7000/Saks5thAve $2500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

sup3rpat · ‎11-30-2014

Pre approved by NFCU on Nov 26th, they pulled all three bureaus, all scores are about 730-740, owe 10k on cc's, 2k on car, and approved for 215k @ 3.625%

Starting Score: EX FAKO 566 EQ 552 TU 568 (07/2010)
Current Score: EX 826 EQ 826 TU 826 (10/2020)
Goal Score: 800 Club 2020!
Take the FICO Fitness Challenge