topic Re: NFCU Letter, now Question? in Credit Cards

NFCU Letter, now Question?

Creditaddict — Tue, 26 Oct 2010 20:58:42 GMT

I got the letter yesterday saying my account was in process to convert, If you would like to wait that would be fine or you can do something online or call to get it switched. My question is:

Who does NFCU pull for credit?

If I was denied auto from USA, what do you suppose my chances would be for NFCU?

I have seen a lot of approvals lately for credit cards and autos from NFCU with lower scores than I have but not sure if they had BK like I do.

Re: NFCU Letter, now Question?

USC08 — Tue, 26 Oct 2010 21:11:04 GMT

@Creditaddict wrote:
I got the letter yesterday saying my account was in process to convert, If you would like to wait that would be fine or you can do something online or call to get it switched. My question is:
Who does NFCU pull for credit?
If I was denied auto from USA, what do you suppose my chances would be for NFCU?

I have seen a lot of approvals lately for credit cards and autos from NFCU with lower scores than I have but not sure if they had BK like I do.

They pulled the following so far for me.

CC App = EQ 670

Personal Loan = TU 660

I personally believe your chances of approval would be better with NFCU.

Re: NFCU Letter, now Question?

nene17 — Tue, 26 Oct 2010 23:11:43 GMT

@Creditaddict wrote:
I got the letter yesterday saying my account was in process to convert, If you would like to wait that would be fine or you can do something online or call to get it switched. My question is:
Who does NFCU pull for credit?
If I was denied auto from USA, what do you suppose my chances would be for NFCU?

I have seen a lot of approvals lately for credit cards and autos from NFCU with lower scores than I have but not sure if they had BK like I do.

I had a previous BK that was discharged in 2005, and was recently approved for CC with NFCU and limit of $3500 (about 2 weeks ago) and I was a brand new member.

Re: NFCU Letter, now Question?

Anonymous — Wed, 27 Oct 2010 03:38:22 GMT

@Creditaddict wrote:
I got the letter yesterday saying my account was in process to convert, If you would like to wait that would be fine or you can do something online or call to get it switched. My question is:
Who does NFCU pull for credit?
If I was denied auto from USA, what do you suppose my chances would be for NFCU?

I have seen a lot of approvals lately for credit cards and autos from NFCU with lower scores than I have but not sure if they had BK like I do.

Are you ready to app again? Is it has been a year already? =)))))))

No more Credit for a year 10-04-2010 02:02 PM

http://ficoforums.myfico.com/t5/Credit-Cards/No-more-Credit-for-a-year/td-p/750320

Re: NFCU Letter, now Question?

Creditaddict — Wed, 27 Oct 2010 03:41:36 GMT

@Anonymous wrote:
@Creditaddict wrote:
I got the letter yesterday saying my account was in process to convert, If you would like to wait that would be fine or you can do something online or call to get it switched. My question is:
Who does NFCU pull for credit?
If I was denied auto from USA, what do you suppose my chances would be for NFCU?

I have seen a lot of approvals lately for credit cards and autos from NFCU with lower scores than I have but not sure if they had BK like I do.
Are you ready to app again? Is it has been a year already? =)))))))

No more Credit for a year 10-04-2010 02:02 PM
http://ficoforums.myfico.com/t5/Credit-Cards/No-more-Credit-for-a-year/td-p/750320

Cough... as I would say to my friends "How dare you talk to me like that" LOL

SSSHHHHH, we are not talking about the year.

okay so here is the deal, if Chase takes me off my joint account, I'm applying to refi my car... if Chase does not take me off the joint, I think I should wait... but the fact is I could go from 60 months to 36 months and have less than a $10 payment difference if I could refi, that makes me want to apply

Re: NFCU Letter, now Question?

Anonymous — Wed, 27 Oct 2010 03:47:39 GMT

@Creditaddict wrote:

@Anonymous wrote:
@Creditaddict wrote:
I got the letter yesterday saying my account was in process to convert, If you would like to wait that would be fine or you can do something online or call to get it switched. My question is:
Who does NFCU pull for credit?
If I was denied auto from USA, what do you suppose my chances would be for NFCU?

I have seen a lot of approvals lately for credit cards and autos from NFCU with lower scores than I have but not sure if they had BK like I do.
Are you ready to app again? Is it has been a year already? =)))))))

No more Credit for a year 10-04-2010 02:02 PM
http://ficoforums.myfico.com/t5/Credit-Cards/No-more-Credit-for-a-year/td-p/750320

Cough... as I would say to my friends "How dare you talk to me like that" LOL
SSSHHHHH, we are not talking about the year.
okay so here is the deal, if Chase takes me off my joint account, I'm applying to refi my car... if Chase does not take me off the joint, I think I should wait... but the fact is I could go from 60 months to 36 months and have less than a $10 payment difference if I could refi, that makes me want to apply

Oh I see ... Did they take you off? What about your inqs? How many of them do you still own? =))))))))

Re: NFCU Letter, now Question?

Creditaddict — Wed, 27 Oct 2010 03:50:53 GMT

@Anonymous wrote:
@Creditaddict wrote:

@Anonymous wrote:
@Creditaddict wrote:
I got the letter yesterday saying my account was in process to convert, If you would like to wait that would be fine or you can do something online or call to get it switched. My question is:
Who does NFCU pull for credit?
If I was denied auto from USA, what do you suppose my chances would be for NFCU?

I have seen a lot of approvals lately for credit cards and autos from NFCU with lower scores than I have but not sure if they had BK like I do.
Are you ready to app again?   Is it has been a year already?    =)))))))

No more Credit for a year   10-04-2010 02:02 PM
http://ficoforums.myfico.com/t5/Credit-Cards/No-more-Credit-for-a-year/td-p/750320

Cough... as I would say to my friends "How dare you talk to me like that" LOL
SSSHHHHH, we are not talking about the year.
okay so here is the deal, if Chase takes me off my joint account, I'm applying to refi my car... if Chase does not take me off the joint, I think I should wait... but the fact is I could go from 60 months to 36 months and have less than a $10 payment difference if I could refi, that makes me want to apply
Oh I see ... Did they take you off? What about your inqs?   How many of them do you still own?    =))))))))

did you lighten the text like we are whispering?! to funny...

1. The form was sent about 2 weeks ago and have not heard yet for Chase.

2. yeah the inq is something I can't change and that may be an issue

Re: NFCU Letter, now Question?

Anonymous — Wed, 27 Oct 2010 04:19:14 GMT

@Creditaddict wrote:

Cough... as I would say to my friends "How dare you talk to me like that" LOL
SSSHHHHH, we are not talking about the year.
okay so here is the deal, if Chase takes me off my joint account, I'm applying to refi my car... if Chase does not take me off the joint, I think I should wait... but the fact is I could go from 60 months to 36 months and have less than a $10 payment difference if I could refi, that makes me want to apply
Oh I see ... Did they take you off? What about your inqs? How many of them do you still own? =))))))))

did you lighten the text like we are whispering?! to funny...
1. The form was sent about 2 weeks ago and have not heard yet for Chase.
2. yeah the inq is something I can't change and that may be an issue

Yes, I am ... because you said "SSSHHHHH" .... =))))))))))

Re: NFCU Letter, now Question?

bluewillow — Wed, 27 Oct 2010 12:22:34 GMT

Hmmm...goodluck! I am sitting here with letter from NFCU and called to switch over & they can't find me.

I'll chalk it up to merger madness as I asked will I be merged over without calling and she said yes by years end all will be merged in

Re: NFCU Letter, now Question?

MidnightOwl — Wed, 27 Oct 2010 17:07:37 GMT

Please don't take this the wrong way but, why are continuing to put yourself through Inquiry nightmare ? I've seen several of your posts in the past under different topics & you said you have a ton of Inqs. I'm trying to figure out why you keep applying or consider applying for credit when you said it's been a problem in the past ? Like I said, please don't take it the wrong way. I'm just trying to figure out why people continue to potentially hurt their score & credit chances by applying for almost everything in sight. I would just sit back awhile & not apply for anything. It appears you have sufficient credit ( from the list you've had earlier ) that you really don't need anything new at this time. For the record, I'm with Navy Fed. and the reps told me they pull EQ for credit purposes but, if you have as many inquiries as I've seen you state in the past, your gonna get turned down. Good luck in the future.

Re: NFCU Letter, now Question?

Creditaddict — Wed, 27 Oct 2010 17:57:02 GMT

@bluewillow wrote:
Hmmm...goodluck! I am sitting here with letter from NFCU and called to switch over & they can't find me.
I'll chalk it up to merger madness as I asked will I be merged over without calling and she said yes by years end all will be merged in

Most likely they won't find you but if you don't want to wait to possibly Jan, you can open new accounts over the phone with them. Unlike USA there is no Credit pull for checking and savings.

Re: NFCU Letter, now Question?

Creditaddict — Wed, 27 Oct 2010 17:59:22 GMT

@MidnightOwl wrote:
Please don't take this the wrong way but, why are continuing to put yourself through Inquiry nightmare ? I've seen several of your posts in the past under different topics & you said you have a ton of Inqs. I'm trying to figure out why you keep applying or consider applying for credit when you said it's been a problem in the past ? Like I said, please don't take it the wrong way. I'm just trying to figure out why people continue to potentially hurt their score & credit chances by applying for almost everything in sight. I would just sit back awhile & not apply for anything. It appears you have sufficient credit ( from the list you've had earlier ) that you really don't need anything new at this time. For the record, I'm with Navy Fed. and the reps told me they pull EQ for credit purposes but, if you have as many inquiries as I've seen you state in the past, your gonna get turned down. Good luck in the future.

No my reports are still locked, I was really only thinking about applying IF my name came off the Chase account and would only be looking for a car refi with that unless they use the same pull for all apps... but anyway, I still have no news on Chase and all my credit cards that I have paid off in the last month and half have not updated yet (some at least) and I would want those reporting $0. All and all I think if I waited till at least Dec I would loose over half my inq, but I would have to double check that fact.

Re: NFCU Letter, now Question?

Anonymous — Thu, 28 Oct 2010 04:09:25 GMT

Unless you invest some time in bumping inq's you have a long two years awaiting you.

Re: NFCU Letter, now Question?

score_building — Thu, 28 Oct 2010 08:14:07 GMT

@Creditaddict wrote:
@MidnightOwl wrote:
Please don't take this the wrong way but, why are continuing to put yourself through Inquiry nightmare ? I've seen several of your posts in the past under different topics & you said you have a ton of Inqs. I'm trying to figure out why you keep applying or consider applying for credit when you said it's been a problem in the past ? Like I said, please don't take it the wrong way. I'm just trying to figure out why people continue to potentially hurt their score & credit chances by applying for almost everything in sight. I would just sit back awhile & not apply for anything. It appears you have sufficient credit ( from the list you've had earlier ) that you really don't need anything new at this time. For the record, I'm with Navy Fed. and the reps told me they pull EQ for credit purposes but, if you have as many inquiries as I've seen you state in the past, your gonna get turned down. Good luck in the future.
No my reports are still locked, I was really only thinking about applying IF my name came off the Chase account and would only be looking for a car refi with that unless they use the same pull for all apps... but anyway, I still have no news on Chase and all my credit cards that I have paid off in the last month and half have not updated yet (some at least) and I would want those reporting $0. All and all I think if I waited till at least Dec I would loose over half my inq, but I would have to double check that fact.

FWIU each app is typically a fresh pull with NFCU.