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Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

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Regular Contributor

Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

I turned my friend onto NFCU about 7 years ago. he opened a LOC and 4k cash rewards card. - about 3 years ago he ran into some financial trouble and NFCU closed his Credit card.  with a 3800 balance.

 

For the last 2 years he hasnt missed 1 payment on his LOC and closed CC from them - however there are over 7 collections on each of his reports (unpaid - highest one is 11k) and 2 or 3 charge offs.

 

He has not applied for credit in the past 2 years so I told him he needs to start rebuilding again (now that he is in better financial condition) and to apply with NFCU again.

 

Approved - Flagship Visa 50k sub - 5k limit.

 

WOW just WOW navy is amazing.

FICO 6.2019

TU - 797
EX - 779
EQ - 750 Smiley Sad
Message 1 of 12
11 REPLIES 11
Established Contributor

Re: Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

Congratulations to your friend!!! 











Current

Goal Cards

Message 2 of 12
Senior Contributor

Re: Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

Congratulations!!

Message 3 of 12
Frequent Contributor

Re: Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

holy wow! congrats to him. that was a pretty ballsy move to apply for the flagship with that profile, being that the minimum SL for that card is $5K. now hes got my trigger finger itching lol. flagship is next on my list but was gonna wait til 2020. all these posts are making me antsy! haha

Fico 08 TU 680 EQ 682 EX 680 (4/05/18)
Fico 08 TU 668 EQ 656 EX 671 (1/13/18)
FICO 08 TU 533 EQ 512 EX 522 (2/6/17)
1 collection charge off paid April '17 ($500 GTE FCU) went over 120+ days late on it account closed. PIF to CA

NFCU Cash Rewards-$2800 (1/13/18), USAA Classic Platinum Visa-$1000 (1/13/18), Discover IT-$10,000! (1/13/18), AMEX BCE-$1000 (1/13/18), AMEX Blue Delta SkyMiles-$1000 (1/13/18), Care Credit-$7500(1/13/18), Cap1 Platinum Preferred-$1500 (1/15/18), Wal-Mart $5000 as of Nov '17 (SL $200 July '17), Dillards $1000 July '17, Several rebuilder cards closed not listed
Message 4 of 12
Established Contributor

Re: Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

Congrats to your friend on the Navy Flagship!





Message 5 of 12
Frequent Contributor

Re: Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

Congrats to your friend! Nice turn around story Smiley Happy

tenor.gif


4/14/18 EQ: 653 TU: 666 EX: 669

9/29/18 EQ:729 EX:712 TU: 715

7/14/19 EQ:754 EX:733 TU: 755
Message 6 of 12
Valued Contributor

Re: Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

, CONGRATS to your friend on their NFCU Flagship Visa approval!!! Smiley Very Happy 
AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 7 of 12
Valued Contributor

Re: Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

Congrats to your friend snagging that Flagship Card!




UNpopular opinions have served me well and will offer that which has worked for me.
Message 8 of 12
Community Leader
Super Contributor

Re: Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

Add this post to myFico legend and Navy loreSmiley Wink Now everyone gonna be but you gsve this person a 5k Flagship on a 500 score....lol Only NavySmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 9 of 12
Member

Re: Another NFCU is amazing - Friends Approval - 7 active collections, 558 FICO EQUIFAX SCORE

I'm curious. Is your friend employed by the military? I'm just wondering if NFCU is more flexible for military employees versus being employed by a private company.
Message 10 of 12
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