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NFCU

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AvaMommy
Frequent Contributor

NFCU

App'd with NFCU since they had promos for this past week...and BOOM locked in 3.9% APR...Man I love NFCU!

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 1 of 8
7 REPLIES 7
Shogun
Moderator Emeritus

Re: NFCU

Congrats!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 8
Anonymous
Not applicable

Re: NFCU

Congrats!  I just became a member there and can't wait until my bk is discharged!  I hear they are very bk friendly. 

Message 3 of 8
Anonymous
Not applicable

Re: NFCU

I just completed a short sale after company relocation to other state forced sale. NFCU held mortgage. I was completly cooperative with them. All other loans with NFCU paid in full or current (3 autos current).  After closing, NFCU closed my savings account and is prohibiting me from making loan payments in usual and customary way. There slogan is once a customer, always a customer only applies so long as they are making money off of you. This is true of all financial, not just NFCU. ME, I' am going to straight cash. No mortgage, no car notes, nothing.

Message 4 of 8
CS800
Super Contributor

Re: NFCU

Not a bad deal with teh $400 'cashback'




Message 5 of 8
webhopper
Moderator Emeritus

Re: NFCU


@CS800 wrote:

Not a bad deal with teh $400 'cashback'


I did a vehicle refi with them in march and got $250 cash back... wonderful deal!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 6 of 8
chasmith
Valued Contributor

Re: NFCU

Like many CUs, NFCU cross-secures everything.  Also, some lenders that are generous with limits and credit are the most rutyhless if you don't hold up your side of the deal.  If they lost money on your short sale you are probably going to be phased out as a customer as your loans are retired.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Message 7 of 8
webhopper
Moderator Emeritus

Re: NFCU

Ive heard that they are ruthless and never forget if you burn them...
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 8 of 8
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