I was actually looking up creditpulls to see who they approve, and I was shocked as well to see the scores and limits people received. He has a nice annual income so that is working in his favor for sure. 

Yea the collection removal should boost up his scores. It sure did with mines. That is a good idea to just wait it out and pay off your other debts before applying for any credit card. I don't know much about NFCU, but I am assuming since they are a credit union that they should be able to work with you guys situation and hook you up with a low credit limit to start and work your way up from there. If anything there is the secured credit card route to help you rebuild you guys credit score.

TU 703 (1/13)
GOAL: 700+

As of Nov 2012

Worst case, I would try for a card with them. The worst that can happen is that they say no, and NFCU offers no-fee balance transfers. If they give you a decent rate, it would be a good opportunity to refi some revolving debt.

Congrats and welcome to the NFCU family! If youre on the wall about applying then follow your gut. But there is no timeline to wait to establish a relationship BEFORE applying for products. They are awesome with limits and helping you build the kind of life you want. Just be good to them! Best of luck!!!

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 674 > 689 >695 with my new TLs reporting
TU: 661>780
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=720 across the board--currently searching for the perfect *third* card to maximize my profile and score

Congrats!  My fiancé has been a member since late 90's.  Little did I know, until reading this forum, what a great CU they are!  

---

Starting Score: 632 (TU) 02/2011
Current Score: TU08: 743 (12/12) EX: 742 (Amex Pull) 09/2012
Goal Score: 780

Take the FICO Fitness Challenge