Need help on NFCU app

[Anonymous]

My husband and I are rebuilding, I discharged a Ch13 on May 5th, he was not part of that.  His scores are mid 600's across and I have one that is now over 600 and two others are 558 and 575. He has a LOC and MC with NFCU, the LOC is 10k and the MC is 3k, he just got a car loan with them for @23k (was approved for 33k).  I have a Visa with NFCU at 1k that I just got in June.  We were wanting to do a cli on his MC, but I was thinking that maybe we should do a joint app for a 2nd nfcu card?  Combined income would be 98k.  Any suggestions?

[Anonymous]

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@Anonymous wrote:

@Anonymous husband and I are rebuilding, I discharged a Ch13 on May 5th, he was not part of that.  His scores are mid 600's across and I have one that is now over 600 and two others are 558 and 575. He has a LOC and MC with NFCU, the LOC is 10k and the MC is 3k, he just got a car loan with them for @23k (was approved for 33k).  I have a Visa with NFCU at 1k that I just got in June.  We were wanting to do a cli on his MC, but I was thinking that maybe we should do a joint app for a 2nd nfcu card?  Combined income would be 98k.  Any suggestions?

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I think the joint application is a good idea.  Let us know how it turns out.

[Anonymous]

after that try a SP CLI on his MC (will that work? lol)

[Creditaddict]

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@Anonymous wrote:

@Anonymous husband and I are rebuilding, I discharged a Ch13 on May 5th, he was not part of that.  His scores are mid 600's across and I have one that is now over 600 and two others are 558 and 575. He has a LOC and MC with NFCU, the LOC is 10k and the MC is 3k, he just got a car loan with them for @23k (was approved for 33k).  I have a Visa with NFCU at 1k that I just got in June.  We were wanting to do a cli on his MC, but I was thinking that maybe we should do a joint app for a 2nd nfcu card?  Combined income would be 98k.  Any suggestions?

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id try for a CLI on his MC first if he has had it for more than 3 months because it sounds like AR's just happened June 30th. ask for $25k if you dont' know and it should counter if he is eligible

[Anonymous]

Well we did the CLI for 25k on his MC and they gave him 5k to bump him to 8k total.  I think we will wait until next year to try a joint card in order to give me some time to build up a bit more from the May 5th discharge and just getting NFCU visa for 1k unsecured.  I was wondering what your thoughts would be about possibly trying for a small personal loan around Octoberish with NFCU, if that would be any help in building back up my credit?

[Anonymous]

WIfe had a BK but waited 5 years to app and was approved for NFCU. It's a good card and she likes it.

[Scupra]

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@Anonymous wrote:

Well we did the CLI for 25k on his MC and they gave him 5k to bump him to 8k total.  I think we will wait until next year to try a joint card in order to give me some time to build up a bit more from the May 5th discharge and just getting NFCU visa for 1k unsecured.  I was wondering what your thoughts would be about possibly trying for a small personal loan around Octoberish with NFCU, if that would be any help in building back up my credit?

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Do you have any installment accounts on your reports currently?

[Anonymous]

No I currently do not since my discharge was just 5/5.  I have only applied for the NFCU nrewards visa and got 1k unsecured last month.  I was not sure about how to time everything on requesting other cards or installment loans.  When I received my visa from them the eq score was at 669 on their disclosure form.

[Scupra]

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@Anonymous wrote:

No I currently do not since my discharge was just 5/5.  I have only applied for the NFCU nrewards visa and got 1k unsecured last month.  I was not sure about how to time everything on requesting other cards or installment loans.  When I received my visa from them the eq score was at 669 on their disclosure form.

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Head on over to the BK sub forum for help with rebuilding after BK. An installment loan would help your mixture of credit. Just something small like a $1k loan is all you need.

[Anonymous]

jw but does a BK clean your whole file?