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What reasons did they give? Have you called to ask for a reconsideration?
Is the address on your ID the same as the one on the bills?
I'm not an NFCU member but I was always under the impression that you had to be related by blood or in a domestic partnership of some sort with a current member for them to sponsor you for membership and that it wasn't sufficient to be just roommates. Is my understanding incorrect?
EDIT: I just found this definition of a "household member" for NFCU membership. "Household members who are eligible through existing members MUST reside at the same address and make an economic contribution to the financial stability of the household of the existing member." So if your name is not on the lease or on any of the bills; you will not be able to prove you're making an "economic contribution" and they would not consider you a household member.
You didn't answer my question: Is the address on your ID the same as where you currently reside?
Is your name on a lease or rental agreement?
A paystub proves that you're employed and your income. It doesn't prove that you're a member of a particular household so you will need to send a copy of the lease to prove that you're paying rent since the other bills are not in your name.
@Anonymouswrote:A paystub proves that you're employed and your income. It doesn't prove that you're a member of a particular household so you will need to send a copy of the lease to prove that you're paying rent since the other bills are not in your name.
From my understanding sounds like a clear case of not only having new credit but ID Theft prevention.