@NeroStar wrote:Awaiting response. Thanks for the message recommendation. Stewing in the denial for 10 days awaiting the letter didn't sound very productive.
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Good job. One way or another, you will not be wondering. Sometimes these things are problems with confirming ID and other things not directly related to your credit.
Yeah, i don't know what happened there. My BK7 was discharged in 9/19!
Just received this back from NFCU. I double checked and they are correct. TransUnion hasn't updated their records to include the bankruptcy as discharged. EX and EQ have both updated. I guess the court's discharge order that I included in the message wasn't enough evidence 🙄.
Now I'm wondering if should just hold off a few months. As much as I'd like the become more established with NFCU, I don't want to keep getting additional HPs for a single secured card. I'm assuming they'll need to HP again once the discharge is updated even though they typically don't pull more than once in the same month. Correct?
Currently, I'm at:
- $1000 Ally Everyday Cash
- $1500 Cred.ai
- $2000 Cap1 SavorOne
Still need to get an installment loan.
What are your thoughts on continuing to actively pursue the NFCU secured card or should I wait a bit?
@NeroStar wrote:
Just received this back from NFCU. I double checked and they are correct. TransUnion hasn't updated their records to include the bankruptcy as discharged. EX and EQ have both updated. I guess the court's discharge order that I included in the message wasn't enough evidence 🙄.
Now I'm wondering if should just hold off a few months. As much as I'd like the become more established with NFCU, I don't want to keep getting additional HPs for a single secured card. I'm assuming they'll need to HP again once the discharge is updated even though they typically don't pull more than once in the same month. Correct?
Currently, I'm at:
- $1000 Ally Everyday Cash
- $1500 Cred.ai
- $2000 Cap1 SavorOne
Still need to get an installment loan.
What are your thoughts on continuing to actively pursue the NFCU secured card or should I wait a bit?
Their underwriting must have changed in the last 14 months, I was able to open my secured card WITH an active 13, the card followed all the DP's with the CLI and automatically unsecuring and converting to CashRewards 4 months before my case concluded.....given what they sent you I'd wait for TU to update, if the other 2 have already updated TU can't be far behind (you can pull a new TU CR from their website daily to check, if you wanted you could also dispute the BK which would force them to update it after they review the information)
@NeroStar wrote:TransUnion updated its report today, so I sent another message to NFCU asking if it was necessary to submit an additional application or if they'd be able to see the update without another hard pull.
Awaiting response.This will probably be my final attempt this round. If they deny again, i feel it's probably best to hold off 3+ months and let my new cards age a bit. I still need to apply for their SSL, but based on information here... it shouldn't require a hard pull. Shouldn't being the hopeful word. 😂
They will probably require a hard pull again unfortunatly for the card 
But fingers crossed for you that they don't.
SSL does not require a hard pull with NFCU. I have had two, and the last one I did was opened about a month ago. However, they still do an internal check, so make sure you are clean there -- which it sounds like you are. I would wait until after getting the card so they can update their internal records with the latest TU pull just incase they noted the active BK in your file from the first attempt.