topic Re: USAA, Penfed or NFCU post bk? in Credit Cards

USAA, Penfed or NFCU post bk?

aloush11 — Wed, 15 Aug 2012 12:19:52 GMT

Anybody know which one of these banks will not auto deny for a CC with a BK on file? and what CB they usually pull?

Your help is always appreciated!

Re: USAA, Penfed or NFCU post bk?

Creditaddict — Wed, 15 Aug 2012 12:58:06 GMT

@aloush11 wrote:
Anybody know which one of these banks will not auto deny for a CC with a BK on file? and what CB they usually pull?
Your help is always appreciated!

Navy does not care if you have improved since then. They pull TU or EQ, lately I have found almost always EQ. I have seen very low 600's getting approved for anything from $1k-$15k! I love them and once you prove your income, they will usually love you too!

Some or many get through with out proving income but I have not had such luck.

Re: USAA, Penfed or NFCU post bk?

Anonymous — Wed, 15 Aug 2012 13:03:27 GMT

Pendfed will auto deny with a BK of any kind

Re: USAA, Penfed or NFCU post bk?

aloush11 — Wed, 15 Aug 2012 13:36:40 GMT

@Creditaddict wrote:
@aloush11 wrote:
Anybody know which one of these banks will not auto deny for a CC with a BK on file? and what CB they usually pull?
Your help is always appreciated!

Navy does not care if you have improved since then. They pull TU or EQ, lately I have found almost always EQ. I have seen very low 600's getting approved for anything from $1k-$15k! I love them and once you prove your income, they will usually love you too!
Some or many get through with out proving income but I have not had such luck.

Great.. Im waiting on a family memeber to sponsor me so I can get in with NFCU. Do you know if they are inq sensitive?

Re: USAA, Penfed or NFCU post bk?

Anonymous — Wed, 15 Aug 2012 14:26:17 GMT

@Anonymous wrote:
Pendfed will auto deny with a BK of any kind

That's news to me.. and probably to PenFed too. Guess I'll have to give them back both my credit cards I have with them.

Re: USAA, Penfed or NFCU post bk?

aloush11 — Wed, 15 Aug 2012 14:44:16 GMT

@Anonymous wrote:
@Anonymous wrote:
Pendfed will auto deny with a BK of any kind
That's news to me.. and probably to PenFed too. Guess I'll have to give them back both my credit cards I have with them.

How old is your BK? is it Chapter 7?

Re: USAA, Penfed or NFCU post bk?

Anonymous — Wed, 15 Aug 2012 14:47:40 GMT

Mine is a Chapter 7 and was discharge in 2004.

Re: USAA, Penfed or NFCU post bk?

Anonymous — Wed, 15 Aug 2012 14:54:25 GMT

NFCU doesn't care how many inquiries you have (maybe they do at some point, but it is a very high point if it exists)...

Re: USAA, Penfed or NFCU post bk?

Anonymous — Wed, 15 Aug 2012 16:26:37 GMT

Chapter 7 2004

Re: USAA, Penfed or NFCU post bk?

Anonymous — Wed, 15 Aug 2012 16:33:05 GMT

@Anonymous wrote:
Chapter 7 2004

Wow! Would you mind sharing more specifics? I.e, aaoa, income, inquires, Penfed cl and previous cl's at the time of approval?

Thanks

Re: USAA, Penfed or NFCU post bk?

swpopham — Wed, 15 Aug 2012 16:33:52 GMT

Don't burn them too. They have always been good to their members. So don't be the one to mess up a good thing

Re: USAA, Penfed or NFCU post bk?

Anonymous — Wed, 15 Aug 2012 17:40:15 GMT

All of them will take bk with enough time and high enough score. Penfed most conservative, usaa next, and nfcu easiest.

Re: USAA, Penfed or NFCU post bk?

haiti222 — Thu, 16 Aug 2012 22:19:48 GMT

I got Navy Fed 3 years after discharge

I got PenFed $500 overdraft 4 years after discharge

I got USAA Amex 5 years after discharge

Penfed wants to see a rebuilt credit, but then for you to not apply for anything else, so you are without any new cards or inquiries for about a year, if you have a bk. I keep finding other things, so haven't applied for a PenFed CC.

Re: USAA, Penfed or NFCU post bk?

Anonymous — Thu, 16 Aug 2012 22:43:42 GMT

Time heals most wounds. If you burned them in the past(i.e included in BK) forget about it.