Established Member
Posts: 10
Registered: ‎01-16-2013


I see a LOT of people on here talking about how great NFCU is.  I got my membership approved today and Im wondering if there is anything I can do with them that will help my credit?  I have a 493 credit score with NO ccs.  10 good student loans, and a bunch of collections/chargeoffs.


Is there anything they offer that might work for me?



Current Scores: Equifax - 515 | Experian - 508 | Transunion - 527

Starting Scores: Equifax - 493| Experian - 502 | Transunion - 488
Community Leader
Valued Contributor
Posts: 2,325
Registered: ‎11-29-2012

Re: NFCU??

With a score that low you might want to ask them about either a secured credit card and/or a secured loan to try to build a relationship with them.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 12/22/14 TU 659; EQ 649; EX 657
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Posts: 22,406
Registered: ‎01-17-2008

Re: NFCU??

I am one of the few but I didn't care for them.   My scores were higher and I couldn't get anything from them.  It may be different for you now, as it was several years ago.



Frequent Contributor
Posts: 262
Registered: ‎03-07-2009

Re: NFCU??

I would ask for a secured card first from them, then work my tail off to repair/rebuild my credit. The way it was explained to me when I applied for my secured card with them was that they would not deny a person for asking them to hold their money and make it accessible through a credit card. That was my main concern because so many others had denied me even though it was a secured card I was requesting. With NFCU, not so much I guess. But YMMV. I say this because of where your scores are now. When I app'd for my secured card, my score was about 545.

Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three

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