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NFCU Flagship app

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Community Leader
Mega Contributor

Re: NFCU Flagship app

Scores arent everything with Navy. That is proven.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 21 of 42
Valued Contributor

Re: NFCU Flagship app

This really does suck in every sense, thought you would be a shoe-in.  Likely as Fin stated just a matter of a small wait now, but none the less, doesn't make it feel better.  No time to look back though, you're in a solid spot thus far... really 10x ahead of where you were last year right!  I say it's still a win-win, next time they'll probably give you a 50k approval 'just' because.



Message 22 of 42
Valued Contributor

Re: NFCU Flagship app

Cred4all, it most definitely does suck. I didn’t think I’d have an issue either. In reality I guess I’m about $80k times further along than I was last year at this time. I’ll try a quick recon letter and see what happens but I’m not optimistic as it was already manually reviewed. I may, or may not, revisit them post mortgage but I won’t apply with them again before then.
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 23 of 42
Community Leader
Mega Contributor

Re: NFCU Flagship app

Would recon involve another HP? 

Message 24 of 42
Valued Contributor

Re: NFCU Flagship app

I’ll have to ask when I get the letter. If it does I’ll pass. Who has experience with this? Input please?
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 25 of 42
Valued Contributor

Re: NFCU Flagship app

Everything I’m reading suggests a second HP for reconsideration. I suppose I lost this time.
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 26 of 42
Valued Contributor

Re: NFCU Flagship app

I sent a recon letter and ask that they NOT do another hp.

 

They stuck with their decision but did not do a hp.

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $350k+ unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                       5%-20% - Amazon & Lowes                  3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - Venture & QuickSilver




                      
Message 27 of 42
Valued Contributor

Re: NFCU Flagship app

Perfect, thanks! I’ll do the same!
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 28 of 42
Established Contributor

Re: NFCU Flagship app

@Shooting-For-800,

How did you get your internal NFCU score? I’ve asked them about that and they all claim to be ignorant or flat out say that doesn’t exist. I’m interested in applying for another product with them but had a couple of lates last year so want to know how they view me/my history before I get a HO.

Thanks!








Message 29 of 42
Valued Contributor

Re: NFCU Flagship app

They never gave me my internal score. I had a 750 TU that’s been squeaky clean for over 6 years. Flat out denied.
WALLET; US Bank Altitude Reserve & Citi Double Cash
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•769 | TU•768 | EX•757
TOTAL PERSONAL CL > $220k
Message 30 of 42
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