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In Shock! NFCU approved me.

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Anonymous
Not applicable

In Shock! NFCU approved me.

NCFU just approved me for a 4k cash rewards cc. Just days ago I signed up for the minimal $5 savings account. My credit score with experian was 586 before applying. I have several baddies on my report including: 2 chargeoffs, 1 settled judgement, and 4 paid medical collections. My only current debt is 15k in student loans which have been in good standing for 3 years now. My income is low at ~$30k a year.

NFCU has been discussed a lot on here, good and bad, but I am so glad I took the chance and applied for the cash rewards. If I was declined, I was gonna reapply for the secured card anyways.

Message 1 of 15
14 REPLIES 14
Rhaeny
Valued Contributor

Re: In Shock! NFCU approved me.

Woohoo!!  Congrats!!

Cap1 Quicksilver 20K | Chase Amazon Visa 10K | Chase Freedom13.1K | Citizens Bank MC 8K | Citibank MC 5.2K | Discover 5.5K | Home Depot 6K | Bank of America Visa 12K | Best Egg Visa 3.8K | Dell 3.5K |Ally MC 2.9K | Apple 4.5K | Merrick Visa 2.3K | Verizon Visa 500 | Amazon Store 1.8K



Fico Score 8: Equifax 757 | Transunion 758 | Experian 742
Message 2 of 15
youngandcreditwrthy
Senior Contributor

Re: In Shock! NFCU approved me.

Congrats! Man, I wish I could be amember at NFCU!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 3 of 15
boomhower
Valued Contributor

Re: In Shock! NFCU approved me.

That's amazing.  It should help a ton in future approvals. May as well get greedy and go for a navcheck as well.  May use the same pull but not 100% sure. 

Message 4 of 15
jobber123rd
Valued Member

Re: In Shock! NFCU approved me.

Congratulations on the approval!  Your credit history similar to mine, and I was approved for the cashRewards last week as well (got the card in the mail yesterday).

 

Welcome to NFCU!  As boomhower stated, NavChek may be worth a shot, but you'll need a Checking account, as NavChek is an Overdraft Line of Credit.

 

BTW, how did you get your Experian score? 

Message 5 of 15
madmann26
Valued Contributor

Re: In Shock! NFCU approved me.

Congrats!!

Current Scores - 8/26/2025


FICO 9


EQ - 769


TU - 778


EXP - 762


Message 6 of 15
SpecFile
Valued Contributor

Re: In Shock! NFCU approved me.

WTG!!
Message 7 of 15
Siopao
Regular Contributor

Re: In Shock! NFCU approved me.

Congrats!!!  You will love all the possibilities NFCU will be able to give you.

Message 8 of 15
unc0mm0n1
Established Contributor

Re: In Shock! NFCU approved me.

Awesome Congrats!

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board
Message 9 of 15
Anonymous
Not applicable

Re: In Shock! NFCU approved me.

Welcome to the NFCU club!
Message 10 of 15
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