Hello,
I am new to the forum...brief history of myself...made bad decisions while in college and got random credit cards for the free gifts (pathethic...I know!). Credit score with down due to non/late payments. In 2009 I purchased a home and my credit score was in the mid 600's. After that time, lost job and household income decreased and I had to start choosing what needed to be paid. Long story short. my credit suffered again. In March 2016, I wanted to get a new vehicle and I was so embarrased because my my score was in the low low 500's. This was an eye opener for me and it caused me to really examine my financial situation. In May, I applied for a Discover It (Secured) and was approved. I have your typcially high risk credit cards...Merrick Bank, Capital One, Total, etc. According to Credit Karma, my Transunion is 559 and my Equifax is 561. According to Discover and Merrick , my Transunion is 596 and 594. I think Discover and Merrick represent my true Fico scores. My score is steadily increasing a few points every month and I am just trying to make sure that I pay my bills on time but I know my credit cards have high utilization. I came across this Official NFCU and I became curious. I tried to read the whole thread, but it is over 500 pages! So to my understanding, it is a hard pull when you open up savings/checking account? After you are approved for an account, do you think I have a chance to get approved for one of their credit cards? Do I need to have at least a 600 score?
