NFCU Denial Help!

[Anonymous]

Does anyone know how long it takes NFCU to start reporting?

[Anonymous]

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@Anonymous wrote:
My only derogs are a 120 day late and the collections for it as well as 2 other collections other than that I have an excellent payment history which is crucial. My derogs are from late 2011 so they'll fall off soon they've lost most of their sting so far except apparently for another CU (that I have an open secured loan with) who did a manual review and it was "even more worrisome" that they were older and hadn't been paid. I thought older derogs carried less weight

Score they pulled was TU 649

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What cu is this? 

[Anonymous]

Justagirl - Affininity Plus Federal Credit Union I wish I wouldn't have gotten into bed with them

[Anonymous]

We all have had "hindsight" revelations. Don't beat yourself up over it. Just continue to create positive history. ☺️

[Anonymous]

I just don't know why they're a CU they seem pretty strict and anal they said they can't approve someone even for a $500 limit with even 1 collections, I mean they might make an exception if its recent but definitely not if it's 6 years old and the person has spent the last 6 years rebuilding oh no.

Thanks I know I just don't understand how it's alarming that there's a 5-6 year old collections account I know it's not the best but that's why such low SL's exist.

[Anonymous]

Got my letter today, the only reason they listed on there was 'Delinquent on past or present credit obligations with others (main).' 

I'm kinda surprised. I refinanced these defaulted loans back in early March of this year, and since then I've made on-time payments on both those loans and my newer credit cards. Apparently 7 months of good payment history isn't enough. :<

Man, I wish I had been told about rehab before refinancing. I guess I'll try again in about 5 months. :/

[Creditaddict]

12 months and 24 months are for sure passing points of delinquency.
BofA is like 36 months depending on the delinquency

[Anonymous]

Then why'd they yell at me for two 5 year old collections? I'm definitely not the same dumb teenager I was 5 years ago

[Anonymous]

Ugh, still confused about this. Pulled my full TU credit report, and there's nothing negative on there besides two paid/refinanced student loans that show no lates after 1/2015. Otherwise my credit is clean. So I'm kinda stumped as to why they're adamantly against offering me anything. :<

[Anonymous]

Weird I have 3 collections on mine and they approved me after recon.