Nfcu

[Svthhvn]

So I got in with nfcu. Only started the basic membership savings. How active do you need to be with them to qualify for a card?

[Anonymous]

You can apply for a card same day. I did my card app on the same call as my membership and I only opened the basic savings with the $5 on that call. 

[AverageJoesCredit]

Not very. Navy cares more about your dti, income, and your internal score with them.

[Svthhvn]

Yes I did. Denied. I will try again in 3/4 months but just wondered was there anything I needed to do in the meantime to make myself more attractive to them.

[AllZero]

You should be getting a letter in the mail citing the reasons for denial. If you care to share those data points, the community can give you some feedback.

[Svthhvn]

The ATM card came today. I expect the AA letter should follow soon. TU was 645 @ pull. I'm fairly sure it's my CU. Was 68% now 57%. On TU only 1 collection that's several years old. I will pay it soon just to be rid of it, even though I do not really owe it. AAoA is over 5 years. Oldest acct is 13years. Last late 2+ years ago. Was just hoping for a little Navy love. Guess I'll just have to be patient. 🙄

[ZackAttack]

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@Svthhvn wrote:
The ATM card came today. I expect the AA letter should follow soon. TU was 645 @ pull. I'm fairly sure it's my CU. Was 68% now 57%. On TU only 1 collection that's several years old. I will pay it soon just to be rid of it, even though I do not really owe it. AAoA is over 5 years. Oldest acct is 13years. Last late 2+ years ago. Was just hoping for a little Navy love. Guess I'll just have to be patient. 🙄

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If you are going to pay for that collection, you better get it in writing that they will remove it from the bureau(s) before you pay it down. 

[Svthhvn]

Yes indeed! I'm actually going to see if OC will recall and agree to delete. It's a cable company.

[AllZero]

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@Svthhvn wrote:
The ATM card came today. I expect the AA letter should follow soon. TU was 645 @ pull. I'm fairly sure it's my CU. Was 68% now 57%. On TU only 1 collection that's several years old. I will pay it soon just to be rid of it, even though I do not really owe it. AAoA is over 5 years. Oldest acct is 13years. Last late 2+ years ago. Was just hoping for a little Navy love. Guess I'll just have to be patient. 🙄

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68% utilization? Seems to be a touch high. Best to dress up your report a little before applying. If you're able, prime would be under 8.9 % aggregate and individual utilization.