Official Credit Unions Guide

[LShan82]

A lot of great info in here! Thank you for creating.   I'm still trying to get caught up. LOL 

[baller4life]

Lol you are very welcomed LShan. 😉

[Blackswizz750]

Hello All, dont mean to post this again. Can someone shed light on if NFCU or Unify use Chexsystem or EWS as well as the normal credit checks to get in. I am still debating applying.

[baller4life]

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@Blackswizz750 wrote:

Hello All, dont mean to post this again. Can someone shed light on if NFCU or Unify use Chexsystem or EWS as well as the normal credit checks to get in. I am still debating applying.

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NFCU does not use Chex or EWS for approval. They hp TU(sometimes EQ) for membership. Unify does use Chex(not sure about EWS) and sp EX for membership.

[heyryan]

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@Blackswizz750 wrote:

Hello All, dont mean to post this again. Can someone shed light on if NFCU or Unify use Chexsystem or EWS as well as the normal credit checks to get in. I am still debating applying.

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Unify uses Chex, I never saw an inquiry from NFCU though. Not sure on EWS, I've never requested a copy of my report from them.

[Anonymous]

Hey there. Do you have a roundabout idea of what kind of score I would need to qualify for a NFCU credit card. I know you said they are very good for people who are rebuilding (which I Am). Just trying to gauge how good.

[Anonymous]

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@Anonymous wrote:

Hey there. Do you have a roundabout idea of what kind of score I would need to qualify for a NFCU credit card. I know you said they are very good for people who are rebuilding (which I Am). Just trying to gauge how good.

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They (generally) pull EQ for credit, so with your sub-600 score (from your sig) I'd say go straight for their secured card.  They usually unsecure after a year.  Alternatively, you could try for an unsecured, but from what I've read you'll want around mid-600's for that

Good Luck!

[baller4life]

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@Anonymous wrote:

Hey there. Do you have a roundabout idea of what kind of score I would need to qualify for a NFCU credit card. I know you said they are very good for people who are rebuilding (which I Am). Just trying to gauge how good.

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Well I was 590's like you on EQ when I was approved for $3k Cashrewards card. Only positive revolving accounts I had was Cap One secured and Fingerhut. I now have $17.5k Cashrewards, $25k Platinum MC and $15k CLOC.

[Anonymous]

Ok awesome. Im going to wait like 6 months and grow the cards I have a bit. Then I will apply. Im hope my score will be more towards the low 700's by then

[Blackswizz750]

Thanks Baller and heyryan that made my decision a lot easier. I will get both reports and see what's on them .