11-15-2013 04:09 PM
I joined NFCU after reading this forum. I'm in the process of rebuilding my credit. I have some unpaid medical collections that I'm currently waiting to hear back from some PFD that I've sent out. Myfico score, according to this site, is mid 600's, except eqifax if 590. I've been declined in past for CC and denial letters show Equifax as 645. Not sure what my scores truly are after seeing the denial score of 645.
I applied for NFCU credit card. I am disappointed because I didn't get instant approval like so many on this forum say. The message said that it takes them 3-5 business days to make a decision.
Have any of you experienced this? If so, were you denied or did you get approved?
11-15-2013 05:11 PM
I hope you're right. It's the weekend. I don't know if this will approve over a weekend because I'm not sure of their approval process. How will I know if I get approved or not?
11-15-2013 05:38 PM
11-15-2013 09:16 PM
11-16-2013 08:51 PM
11-17-2013 04:07 AM
There are several ways to join NFCU. If you want to use your father's military experience, your father would have to be a member first. Then, you can join as a family member. It also depends on how long he has been out of the service. As far as least credit score, I am not sure. There are several posts on here that list their scores when they got approved, some of them as low as 580 with collections and charge offs. Search the forum and you will be able to find more info on this. I am still waiting to hear back from them. Supposedly, they don't tend to work on the weekends and I applied late Friday afternoon.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.