I am considering whether I want to pay NFCU to get back in with them or not. I burned them in a sense that there was unpaid overdraft fees under $500 discharged, however, I don't agree with the overdraft fees. The overdraft fees resulted from a 'temp. credit reversal' from a debit dispute. They claim they sent a letter requesting more information, I did not receive that letter. I was out of state for a few months caring for my sick father and moved when I returned home. When I got home my account was closed with a $0.00 balance. It was not negative. My regular checking is with Chase anyway so when I saw NFCU closed my account I was over it all. When i received a copy of the bankruptcy forms, I saw Navy Federal listed. I had just read how BK friendly they are and can't help but sulk. I am 112 days post discharge, have no collections, the late pays are on student loans that are pending removal (most recent reported 3 yrs ago), and my FICO 8 score is now 679 (was 574 on 2/1/17). Wish the banks used the FICO 9 scores (currently 739). After 3 car and CC payments appear on my credit file, I believe I could have received an approval. I did send them a letter explaining the circumstances and waiting to hear back. I am hopeful but doubtful that they see my situation and realize how quickly they could make the $476 back by simply extending credit to me in the future...but again, doubtful. Will update if my letter worked.
I wanted to know if anyone out there has personally burned NFCU and got back in their good graces after paying them off. I want to know if this will be the end all for my relationship with them or if they'll give me a second chance to prove my love for them. 
