topic Re: Question about NFCU joint application? in Credit Cards

Question about NFCU joint application?

lmfields84 — Sun, 30 Mar 2014 14:44:32 GMT

Hi all,

My husband and I are interested in becoming NFCU members and applying for a joint credit account. The only problem is, I have a tax lien on my credit that I am on a payment plan for (roughly $5k). Will this kill our chances at aproval? My husband's score on MyFICO is sitting at 592, but we are waiting another 4 weeks to apply to allow some things to be deleted that were disputed and confirmed to be deleted. I am hoping he will see a bump after that. We have no revolving credit, but he has a auto loan that has never been late, and a student loan that is current. What CRA do they pull? TU is his worst right now because of 2 medical bills not reporting to EQ or EX. He also has a ton of inq's on EQ because of car shopping that will hit 1 year in June which worry me as well. I reeeeeaaallly don't want to take the HP for no reason... any thoughts on chances for approval?

Re: Question about NFCU joint application?

Creditaddict — Sun, 30 Mar 2014 16:33:10 GMT

@lmfields84 wrote:
Hi all,
My husband and I are interested in becoming NFCU members and applying for a joint credit account. The only problem is, I have a tax lien on my credit that I am on a payment plan for (roughly $5k). Will this kill our chances at aproval? My husband's score on MyFICO is sitting at 592, but we are waiting another 4 weeks to apply to allow some things to be deleted that were disputed and confirmed to be deleted. I am hoping he will see a bump after that. We have no revolving credit, but he has a auto loan that has never been late, and a student loan that is current. What CRA do they pull? TU is his worst right now because of 2 medical bills not reporting to EQ or EX. He also has a ton of inq's on EQ because of car shopping that will hit 1 year in June which worry me as well. I reeeeeaaallly don't want to take the HP for no reason... any thoughts on chances for approval?

They pull EQ for credit card.

Possibly TU for joining or else EQ also.

Who is the auto through? what is rate?

What is your score if his is 592?

Re: Question about NFCU joint application?

lmfields84 — Sun, 30 Mar 2014 21:04:32 GMT

The car is through american credit acceptance at 22%! Crazy I know but we were desperate. We are planning to refi soon. I don't know my fico score, only CK which is 546... but on CK my husband is 538 and his fico on here is 592, so CK is obviously way off.

Re: Question about NFCU joint application?

Creditaddict — Sun, 30 Mar 2014 22:21:44 GMT

Apply for membership and see what they say and then apply for refi!!!