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

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

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!

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


Take the FICO Fitness Challenge
Moderator
Posts: 4,189
Registered: ‎03-24-2008
0

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

Woo Hoo.gif  Congrats to YOU! ! !

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

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

Wow!  Congrats to you.  Gotta love NFCU.  I'm trying to get in myself.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Contributor
Posts: 567
Registered: ‎10-04-2012
0

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


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 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

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

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

Hey what were your scores at the time? And since have you discovered which score they used? Thanks!

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!!

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.

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


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

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

That does it.  I'm enlisting...

 

Congrats on your new card OP, NFCU does it again!

  • 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
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

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

On a serious note, is there a national CU that is as remotely good as NFCU, or is that pretty much it?  I've heard DCU is decent. 

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

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

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

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


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,500
Registered: ‎08-30-2012
0

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

Congrats!!

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.