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?
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?
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.