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Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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Re: Pre-approval with NFCU...They approved me!!


favored12 wrote:
Lol Jutz! I'm not sure but I do hear alot on the boards about USAA and PSECU

USAA is still military and PSECU is just PA! 

 

I'm going to look for a roommate on Craigslist.  Must have: Good credit, Naval or other Military Experience, Extra couch a plus?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Pre-approval with NFCU...They approved me!!

Jutz

You can get in to USAA as a basic member.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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Re: Pre-approval with NFCU...They approved me!!

I'll have to look into that, thanks.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
Posts: 203
Registered: ‎07-20-2012
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Re: Pre-approval with NFCU...They approved me!!


favored12 wrote:
They only pulled TU and at that time I was at 589. I've been direct depositing in a savings account with them since 2010 so not sure if that helped but it could have.

589!? Wow. Good job! What was your transunion score when you were declined last time???

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

Valued Member
Posts: 33
Registered: ‎08-29-2012
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Re: Pre-approval with NFCU...They approved me!!

I'm not sure what it was back then. That was before I knew how to take care if credit unfortunatelySmiley Sad

Starting Score: EQ-485 TU-558 EX-576 AUG2012
Current Score: EQ-533 TU-621 EX-644 NOV2012
Goal Score: 700


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Posts: 203
Registered: ‎07-20-2012
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Re: Pre-approval with NFCU...They approved me!!


Elcid89 wrote:

favored12 wrote:
I couldn't freakin believe it!! I've been with NFCU since 2010 but I mainly use them for savings. I applied for the rewards card back in May and got denied. I started cleaning up my credit in July so it's been about three months now. My score is slowly inching up but still nowhere near ready to apply for big purchases. Yesterday, I got the pre-approval for NFCU in the mail yesterday and got antsy. I decided to go for it and applied online with the code offer. I got a message saying they would review and have a decision within 24 hrs. I checked back this morning and to my surprise I my pending status had changed to approved!!! Then I opened the message and it stated congratulations-based on your credit worthiness you've been approved for NFCU cash rewards card with a credit limit of $10,000!!!! I had to log out and back in to make sure I was reading it right!! I'm so excited and greatful for the opportunity to rebuild especially after getting denied so many times in the past. My scores are really low and I'm not sure which bureau they pulled from but I don't care! LOL! I'm hoping to master this utilization tool so that I can get these scores boosted and ready for home ownership!

Congratulations! I switched all of my primary banking to NFCU many years ago for precisely this reason - they take care of their customers.

 

Now, treat them right, and they'll be there for you whenever you need them.

 


FICO scores: 819 (EQ) 815 (EX) 803 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k

 

 

Where I want to be in 24 months! Haha! Good job buddy!

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

Regular Contributor
Posts: 203
Registered: ‎07-20-2012
0

Re: Pre-approval with NFCU...They approved me!!


favored12 wrote:
I'm not sure what it was back then. That was before I knew how to take care if credit unfortunatelySmiley Sad

Ah, I've been trying to follow your clean up effort. Is there a short version of what you have been able to 'clean up' since then??

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

Valued Member
Posts: 33
Registered: ‎08-29-2012
0

Re: Pre-approval with NFCU...They approved me!!

Wow really? I feel special! I still feel new so I'm careful only to comment on my experiences with everything. Thats why i don't have many posts. I need to figure out how to do the blog or maybe a rebuild thread so I can keep track too. Guess I should search the boards for that infoSmiley Happy

Starting Score: EQ-485 TU-558 EX-576 AUG2012
Current Score: EQ-533 TU-621 EX-644 NOV2012
Goal Score: 700


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Regular Contributor
Posts: 203
Registered: ‎07-20-2012
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Re: Pre-approval with NFCU...They approved me!!

 

favored12 wrote:
Wow really? I feel special! I still feel new so I'm careful only to comment on my experiences with everything. Thats why i don't have many posts. I need to figure out how to do the blog or maybe a rebuild thread so I can keep track too. Guess I should search the boards for that infoSmiley Happy

Indeed!

 

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

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