Re: NFCU questions - Page 4 - myFICO® Forums - 4838871

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Well the worst thing they can say is no.

Have you tried applying with NFCU yet?

Message 31 of 47

I've recently submitted a membership application to NFCU and waiting to hear back. If approved, I plan app for cc down the line.

Discharged Jan 2017
Rebuilding credit

Message 32 of 47

Membership accepted!! Got my info and all setup. I signed up for the fico ultimate 3b and saw scores. My heart dropped so I'm not sure if it's worth applying for cc right now.

Discharged Jan 2017
Rebuilding credit

Message 33 of 47

@empressj wrote:
Membership accepted!! Got my info and all setup. I signed up for the fico ultimate 3b and saw scores. My heart dropped so I'm not sure if it's worth applying for cc right now.

What are your scores? To be fair you are freshly discharged Don't beat yourself up

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k

Message 34 of 47

Poor...lol. Thinking I need to work on scores but how can I rebuild without some sort of revolving.

Eq 533
TU 535
Ex 538

Discharged Jan 2017
Rebuilding credit

Message 35 of 47

*revolving credit

Discharged Jan 2017
Rebuilding credit

Message 36 of 47

@empressj wrote:
Poor...lol. Thinking I need to work on scores but how can I rebuild without some sort of revolving.

Eq 533
TU 535
Ex 538

Have you taken the time to make sure everything is reporting correctly? If so, it's time to find a revolver ASAP and get some positive payments reporting.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k

Message 37 of 47

Yes I've reviewed all 3 credit reports. Everything reports as IIB w/ no balances. I'm so afraid to apply and be denied. LOL.

What are my chances being approved with these low scores? Since I didn't reaffirm my car (paid on time, never late) wfds had stopped reporting. They did report my last pmt on 12/29.

Discharged Jan 2017
Rebuilding credit

Message 38 of 47

@empressj wrote:
Yes I've reviewed all 3 credit reports. Everything reports as IIB w/ no balances. I'm so afraid to apply and be denied. LOL.

What are my chances being approved with these low scores? Since I didn't reaffirm my car (paid on time, never late) wfds had stopped reporting. They did report my last pmt on 12/29.

I would get a secured card from NFCU. You need something positive reporting to help bring those scores up.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k

Message 39 of 47

@empressj wrote:
Membership accepted!! Got my info and all setup. I signed up for the fico ultimate 3b and saw scores. My heart dropped so I'm not sure if it's worth applying for cc right now.

Does NFCU offer discount on fico? If so how do I sign up I am a Navy member?

Message 40 of 47