topic Best way to jump on NFCU? in Credit Cards

Best way to jump on NFCU?

elim — Wed, 19 Nov 2014 12:40:47 GMT

I am easily eligable for NFCU and would like to know the best way to Join, Get CC and cLOC with the least HP's?

I thought i might join now while in the garden but if I have a window on the HP used to join to grab a CC and navcheck (cLOC) then i will certainly wait. It also may be better to wait and get my TU score back up (curently 697 post spree).

thanks

Re: Best way to jump on NFCU?

TheGardner — Wed, 19 Nov 2014 12:49:04 GMT

Each will be a HP.

They have already HP'd you for starting this thread.

Re: Best way to jump on NFCU?

elim — Wed, 19 Nov 2014 12:49:43 GMT

@TheGardner wrote:
Each will be a HP.

They have already HP'd you for starting this thread.

lmao... thanks

Re: Best way to jump on NFCU?

dominow — Wed, 19 Nov 2014 13:01:06 GMT

i joined with a savings for 5 dollars. a rep called me to go over my account and answer question, she told me they pull a HP on application that is good for anything you do with them for 30 days. i did the green card and got 11k immediatetly GOOD LUCK!

Re: Best way to jump on NFCU?

baller4life — Wed, 19 Nov 2014 13:06:12 GMT

And everytime any of you post in this thread, expect a hp. Lmao

Re: Best way to jump on NFCU?

baller4life — Wed, 19 Nov 2014 13:07:24 GMT

@dominow wrote:
i joined with a savings for 5 dollars. a rep called me to go over my account and answer question, she told me they pull a HP on application that is good for anything you do with them for 30 days. i did the green card and got 11k immediatetly GOOD LUCK!

She was high. Lol. Trust and believe every app is a separate hp!

Re: Best way to jump on NFCU?

Anonymous — Wed, 19 Nov 2014 13:50:12 GMT

Somehow I only got 2 HPs on joining, Flagship Visa and LOC

Re: Best way to jump on NFCU?

Anonymous — Wed, 19 Nov 2014 15:08:39 GMT

I called yesterday and the CSR said there is a hard pull for every single app and one for the account so thats why I didnt go for it. I really feel like I have too many inquiries and want to let them fall off first.

Re: Best way to jump on NFCU?

improvingmycredit — Wed, 19 Nov 2014 15:13:51 GMT

@Anonymous wrote:
Somehow I only got 2 HPs on joining, Flagship Visa and LOC

I too was one of the lucky ones. I got a SP on TU for membership so it saved me an additional HP. However, since joining, every single app for credit with them regardless of the last pull has been a HP.

Generally, one should always expect a HP when apping for anything and consider it a "win" if you get lucky and don't. Great rule of thumb

Re: Best way to jump on NFCU?

improvingmycredit — Wed, 19 Nov 2014 15:18:34 GMT

@Anonymous wrote:
I called yesterday and the CSR said there is a hard pull for every single app and one for the account so thats why I didnt go for it. I really feel like I have too many inquiries and want to let them fall off first.

Hi ghgirll123!

I know this goes against conventional wisdom because of everything we read on these forums but in the long run it will likely help you very much to go ahead and get in with NFCU. They are not inq sensitve as most lenders and I suspect that you will likely qualify for some of their products now. NFCU products typically grow with you fast and I doubt you will regret the decision. I am a member of several CUs and NFCU has been the easiest to work with. I say go for it. Just my 2 cents.

Re: Best way to jump on NFCU?

Creditaddict — Wed, 19 Nov 2014 16:18:47 GMT

@improvingmycredit wrote:
@Anonymous wrote:
I called yesterday and the CSR said there is a hard pull for every single app and one for the account so thats why I didnt go for it. I really feel like I have too many inquiries and want to let them fall off first.
Hi ghgirll123!
I know this goes against conventional wisdom because of everything we read on these forums but in the long run it will likely help you very much to go ahead and get in with NFCU. They are not inq sensitve as most lenders and I suspect that you will likely qualify for some of their products now. NFCU products typically grow with you fast and I doubt you will regret the decision. I am a member of several CUs and NFCU has been the easiest to work with. I say go for it. Just my 2 cents.

I scream at the computer monitor everytime I read something like this and look at a signature line with (sorry but crap cards) and you don't move forward with the BEST credit union available that you have access with because of INQ's!!!

you need to rethink this and go join and apply now!

Re: Best way to jump on NFCU?

elim — Wed, 19 Nov 2014 17:56:16 GMT

do you get pre qualified offers during sign up??

Re: Best way to jump on NFCU?

elim — Wed, 19 Nov 2014 23:36:52 GMT

@elim wrote:
do you get pre qualified offers during sign up??

damn work keep getting in the way of my forum time.

OK i found what i needed and decided to wait on everything until my cards age a bit...

pre spree scores

TU 706

EQ 697

EX 686

AAoA 5 years

spree 10-10-14

PRG

CSP 5k

USAA 7k

QS 3k

Overstock 4.3k

post spree scores

TU 697

EQ 667

EX 662

AAoA 3 years

2010 fed tax lien is only baddie which i'm paying off monthly and would like help from a decent CU to finance the PIF to avoid some interest/penalties.

It doesnt make sense to do anything right now so I will wait until my scores bounce back to even "join". I need decent APR on anything I get from NFCU and don't want to end up in some bucket or anything. I want it ALL when i join. :] then i will trade in 2 CU's and a local bank for NFCU.

Is this the best way to aproach?

Re: Best way to jump on NFCU?

Creditaddict — Thu, 20 Nov 2014 00:06:03 GMT

700 with navy is prime!! No need to wait

Re: Best way to jump on NFCU?

elim — Thu, 20 Nov 2014 00:10:56 GMT

@Creditaddict wrote:
700 with navy is prime!! No need to wait

I heard they pull EQ sometimes for CC and LOC.

Re: Best way to jump on NFCU?

Anonymous — Thu, 20 Nov 2014 00:13:02 GMT

OP, get it now! Waiting will not make a difference with them you will get approved and you will get a CLI in a few months.
The only thing you do by waiting is you lose out on AAoA and the inquiry will be on longer.
Do it now!

Re: Best way to jump on NFCU?

Creditwiser — Thu, 20 Nov 2014 00:15:39 GMT

I would at the very least take the HP to join. Get in there, Give em your 5 bucks and get an account opened up. Then decide if you want to garden or go for it.

Re: Best way to jump on NFCU?

Creditaddict — Thu, 20 Nov 2014 00:29:38 GMT

@Creditwiser wrote:
I would at the very least take the HP to join. Get in there, Give em your 5 bucks and get an account opened up. Then decide if you want to garden or go for it.

I agree... you might see a pre-approved offer a day after opening... either way with approvals in the $7k range with other banks I would expect navy to go $15k+

not to mention in as little as 3 months you could be doing CLI's on anything they give you now.

and the $15k navcheck is almost a gaurantee for you.

Re: Best way to jump on NFCU?

Anonymous — Thu, 20 Nov 2014 00:34:08 GMT

CreditAddict, don't mean to hijack this thread but I don't want to run thru 250 pages of the NFCU CLI thread. I see you always mention requesting CLIs to $25,000. What happens after that point?

Re: Best way to jump on NFCU?

Creditaddict — Thu, 20 Nov 2014 00:36:20 GMT

@Anonymous wrote:
CreditAddict, don't mean to hijack this thread but I don't want to run thru 250 pages of the NFCU CLI thread. I see you always mention requesting CLIs to $25,000. What happens after that point?

HP and manual review... up to $25k it can instantly counter by computer.