How to join NCFU and rebuild as a civilian the right way

[Guyatthebeach]

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@Anonymous wrote:

Heading to the local branch in the am.... I have everything on the check list. Just checked my fico score, it's 632.  I hope its will be ok fingers crossed... I'll keep you informed. Thanks for all the help.

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Bunnimom,

Good luck in the morning! I have my fingers crossed for you. 

Keep us informed!

[kobe2012]

Does anyone know what scoring model nfcu uses?? Is it usually higher or lower than than the one purchased here??

[armymom]

I'm curious as well.  Letter I received from NFCU says my TU CS was 665 which doesn't correlate with the scores on myfico.  

[Anonymous]

Hi All,

Just wanted to give an update on my CLOC denial.  I got the letter over the weekend and sure enough the bankruptcy was the reason for the denial.  Not sure how to recon that so I figured I would just let it go.  Side note be sure to check your statement after signing up Navy League.  I was charged 3 times for my membership fee.

[Anonymous]

Freedom- When was your discharge date? Curious if the denied due to a past bankruptcy or one currently not discharged

[Guyatthebeach]

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@Anonymous wrote:

Hi All,

Just wanted to give an update on my CLOC denial.  I got the letter over the weekend and sure enough the bankruptcy was the reason for the denial.  Not sure how to recon that so I figured I would just let it go.  Side note be sure to check your statement after signing up Navy League.  I was charged 3 times for my membership fee.

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I'm sorry to hear you were declined?

When was your bankruptcy dischsarged and how much did you request as a line of credit?

Guyatthebeach

[Anonymous]

I made it....I made it..... After convincing the branch that I could open the acct there. I walked away with a checking and saving acct. AND.... A cloc for 5k and go rewards cc for 2,600......I'm so excited!!!!! I've learned so much in a short time here in the forums...Thanks for all of the knowledge..... To the garden I go 😀😀

[Guyatthebeach]

Bunnimom,

Congratulations on finally getting to join Navy Federal.

I'm excite for you.... Hope you will start seeing some great CLI's real soon!

Life's a beach!

Guyatthebeach

[Anonymous]

My discharge date was 01/15 and from what I read, I requested the $15K. Probably a little ambitious for a limit but I was within the income range from what I saw.

I am actually closing my account at another bank and transferring the funds to Navy Federal, so I may go into a branch and speak with a Member Services representative to see about a review and a lower limit as a hail mary.

[Guyatthebeach]

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@Anonymous wrote:
My discharge date was 01/15 and from what I read, I requested the $15K. Probably a little ambitious for a limit but I was within the income range from what I saw.

I am actually closing my account at another bank and transferring the funds to Navy Federal, so I may go into a branch and speak with a Member Services representative to see about a review and a lower limit as a hail mary.

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I would recon and ask for 2500 or less and be prepared to verify your income.

Guyatthebeach