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Is this some sort of joke?!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Re: Is this some sort of joke?!

Some collections are paid some aren’t. All of the COs are paid but two of them still show balances on my credit report. I did offer to provide proof of payment on those in my recon letter.
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 31 of 43
Regular Contributor

Re: Is this some sort of joke?!

Well, the excitement has faded and reality is setting in. I still haven’t seen the account populate in online banking so I decided to call. They can’t see anywhere that the application was approved. I read her the approval message and it’s being escalated. I have to call back on Monday or Tuesday. Sounding like it was a joke after all Smiley Sad
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 32 of 43
Frequent Contributor

Re: Is this some sort of joke?!

My account took 4 days to show up on my Navy account. I applied on a Thursday and it wasn't available until the following Tuesday. Fingers are crossed for you and keep us posted!

Starting scores - 480 - 11/05/18
Current Scores -





Message 33 of 43
Frequent Contributor

Re: Is this some sort of joke?!

You can check the status of the application on the NFCU website. Look it up and see what it lists as the status of your application.
Personal Credit -
AMEX: Platinum, Green, Cash Magnet, Schwab Investor
PNC: Cash Rewards
NFCU: Flaghship Rewards, Cash Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
Store Cards: Target
AU Cards: Citi Rewards+

Business Credit-
AMEX: Blue Business Plus, Amazon Prime, Simply Cash Plus
Message 34 of 43
Regular Contributor

Re: Is this some sort of joke?!

Thank you. I’m more concerned about it still showing as declined on their end.
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 35 of 43
Regular Contributor

Re: Is this some sort of joke?!

CreditSweeper,

The status still says declined but that’s also where I’m looking at the message with that application number that says it’s approved.
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 36 of 43
Regular Contributor

Re: Is this some sort of joke?!

Also weird is that I don’t have an inquiry on any of the bureaus. I have no clue what’s going on.
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 37 of 43
Senior Contributor

Re: Is this some sort of joke?!

Without an inquiry, I would be shocked if there is an approval. Haven’t heard of a SP NFCU card approval. Hopefully they get it figured out soon for you and you get the card in the end. 


Scores 1/2019:
Scores 7/2019:

Hover over my cards to see my limits!
Goal cards:
Message 38 of 43
Established Contributor

Re: Is this some sort of joke?!

Following to see what happened!

Message 39 of 43
Regular Contributor

Re: Is this some sort of joke?!

So after weeks of waiting I finally called. I had to send in screenshots of the approval message because they couldn’t locate any info. After it being escalated multiple times they determined I was denied for the card because I already have 3 cards with them. I’m not eligible for a new card until at least one of the closed cards has a zero balance. They offered no explanation for the approval message I received. So turns out it was a sick joke.

During this time I also messaged about my secured card that I have now had for a year, use regularly and PIF every month, and they said it’s been reviewed and they still won’t unsecure it. Another slap in the face.

The only good things out of this...they didn’t pull my credit so there’s no inquiry from this, and my FICO is now up to 640. So I’ll just pay off the closed card, wait a bit longer and try again.

Bummed that I couldn’t offer a happy ending to this story, but it truly was too good to be true. I am feeling pretty disappointed with NFCU now though because of it all.
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 40 of 43