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Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
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nfcu

Fiancé finally decided to join nfcu, opened a checking account over the phone, kit should be arriving early next week. She has no baddies but too many inquiries and a years worth of positive credit history. High utli on some of her cards, my question is after we get married monday, ( legal marriage ) not ceremony that won't happen till the summer, anyway would it possible to join nfcu through her? And when should she apply for a cc with them? Her scores are 680 range due to high utli, pay them off first?
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Regular Contributor
Posts: 240
Registered: ‎11-29-2008
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Re: nfcu

I don't know anything about when you could join NFCU, but I opened an acct. at NFCU a few months ago.   About a month later, I tried for a NFCU credit card.  I do have several baddies on my CR with a credit score much lower than hers and they approved me for a CC with a $5000 limit.  I think they are very generous in approving credit, so I bet she wouldn't have any problem in getting one. 

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 5/31/2014 FICO 671 EQ 7/5/14 FICO 667 EX 5/31/2014 658 FICO
Goal Scores 700 across the board
Contributor
Posts: 140
Registered: ‎01-01-2013
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Re: nfcu

You should be able to join NFCU through her.  I was able to join through my husband, since they require an "immediate family" relationship to a member if you are not otherwise qualifying for membership on your own. 

***9-4-13: TU 602 EQ 663 EX 626***
***6-13-13: TU 558 EQ 642 EX (yay to MyFICO for no more FAKO!!) 620***
5-31-13: TU 558 EQ 642 EX FAKO 643 * 1-24-13: TU 611 EQ 621 EX FAKO 643 * 1-21-13: TU 513 EQ 621 EX FAKO 643 * 1-3-13: TU 513 EQ 583 EX FAKO 643 * 1-1-13: EQ 568 EX FAKO 643 TU 513 * 12-22-12: EQ 558 EX FAKO 586 TU 525 * 11-15-12: EQ 554 EX FAKO 565 * 9-9-12: EQ 525 EX FAKO 574 TU (Lender pull-auto) 433
Regular Contributor
Posts: 224
Registered: ‎12-11-2012
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Re: nfcu

Proudnavymom, what were your scores when you applied for your cc ? I just joined about a few weeks ago and my scores (high 500's) are low as well. I was wondering if I should wait until my scores get to a certain # before I apply or just go for it.
12/11/12 Starting Score EQ FICO - 583/ TU FICO - 615/
4/1/13 - Lender Pull - TU - 645 EQ - 675 EX 712
Each One - Teach One
Valued Contributor
Posts: 1,975
Registered: ‎07-12-2012
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Re: nfcu

My fiance joined through me and I joined through my step dad. Should be good!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
704 EQ FICO 03/2015
718 TU FICO 03/2015
679 EX FICO 03/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Frequent Contributor
Posts: 444
Registered: ‎12-05-2012
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Re: nfcu

You will definitely qualify on Monday. 

And I agree with others on the thread-- NFCU is incredibly generous. I had several (like 10) baddies when I apped and was approved for a $6K CC in December 2011. I started rebuilding in Nov 2012 and hopefully, I will be able to refi my auto with them soon. 

 

Congrats on ur marriage and joining NFCU in the future-- they are a great CU to have. 

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Moderator
Posts: 13,249
Registered: ‎04-15-2011
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Re: nfcu

Yes, you will qualify as a spouse through her.  Congrats!



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+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Regular Contributor
Posts: 240
Registered: ‎11-29-2008
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Re: nfcu

kmathies--my scores now have just hit the low 600's.  I think when I applied I was in the 580's or 590's. 

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 5/31/2014 FICO 671 EQ 7/5/14 FICO 667 EX 5/31/2014 658 FICO
Goal Scores 700 across the board
Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

Re: nfcu

Thanks guys, ill let you know how it goes!
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

Re: nfcu

One last question, should I wait before applying for their cc? I was looking to start a mortgage loan in may, also a small car loan. Would a cc with a somewhat high limit hurt my loan amounts?
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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