Established Member
knj601
Posts: 42
Registered: ‎02-25-2009
Re: My fiance' is now a member of NFCU!!

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. 



Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
Re: My fiance' is now a member of NFCU!!

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. :smileyhappy:

TU 746 (10/13)
GOAL: 750+






New Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012
Re: My fiance' is now a member of NFCU!!

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.

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
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012
Re: My fiance' is now a member of NFCU!!

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!!! :smileywink:

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Regular Contributor
EandK23
Posts: 178
Registered: ‎09-12-2012
Re: My fiance' is now a member of NFCU!!

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!