SECU to apply or wait?

[AllZero]

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@ktl72455 wrote:

Wow!!!  Boom!!  Yeah!!!  Never give up!

I called and they are now closed... ha.. another weekend!

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Congratulations on your approval!

[ktl72455]

@AllZero 

Thank You!

[ktl72455]

@Gmood1 

Apparently I missed NFCU cut off time by minutes and didnt know it until after i had submitted the first app. No EQ update on myfico, I even pulled all 3 reports from annual credit to see what the heck could be the issue...  then i seen it,,,  uggg  NFCU and self lender reported and the new inquiry from secu . Wasnt there when I I applied for Langley.

I did tell LO NFCU was now at zero and explained and was even willing to send a copy of the account. 

I have no idea if she was taking notes lol

I told her normally cuts in PM on the 4th 7:30pm... EXCEPT if the 4th is on a sat or sunday so I ran to pc to make balance payment and obviously I missed the cut off because it reported!

I was and still in shock!! :-)  This was the hardest app I have have ever done!!  now.. Im done! heading to the garden to recover lol!

[RootDet]

I didn't see the bit about making a donation to get in anywhere on the site though. 

[ktl72455]

https://www.secumd.org/more/foundation.aspx

BUT  head the warning, make sure your membership is approved first before applying for anything :-)

[RootDet]

based on the threads, i need to wait until my balance hit zero, which will be at least 3-4 weeks. Is it a hard pull to get membership?

[Gmood1]

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@RootDet wrote:

based on the threads, i need to wait until my balance hit zero, which will be at least 3-4 weeks. Is it a hard pull to get membership?

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@RootDet 

Unless your utilization is high. There's no need to report zero balances.

The membership is secured with a Chex pull. The problem is, if you apply for credit. You would most likely be approved for the credit well before membership processes. The fraud department has some nit pickers, for out of state applicants. If you're in Maryland, then you're good to go!

[ktl72455]

no it was a soft pull,  but its a good idea to get memebrship out of the way now if thats what your going to do .

@AllZero  is who i followed on the information  for my balances etc and there are many on this thread that can help as well.  As you can see, I have no prob putting all my cards out there when i need input lol!

[Gmood1]

@ktl72455 

So you got your pre-approval email after the last chat with the LO? 

Congrats!! As those are solid approvals from what I've seen everyone else experience ( including myself)!

Wipe out the application ID on your approval letter. Also get rid of the address info. Get a mod to clear it for you if need be.

[Gmood1]

@AllZero 

Can you go back in and remove OPs quote real quick?