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NFCU Success

Valued Member

NFCU Success

So, thanks to this forum I found a legitimate way into NFCU.  Sent my membership documents and supporting documentation in and had an approval e-mail from membership a couple days later.  Called up and got my membership number and funded the account on the phone.


After researching scores i decided to bite the bullet and apply for a Cash Rewards CC and the CLOC, as I hear they pull EQ and I really have limited recen pull activity on that bureau, other than the pull for my DCU Membership.  CLOC instantly approved and the credit card went into review.  I decided to be preemptive and sent over my paystubs and past year W-2 to support my income via secure message, even though they did not ask.


My credit report is far from clean.  I sit at a EQ08 of 699 and even lower for the EQ05 score.  I have numerous old lates (2 to 4 years in the past, some 90s) that permanently pull down my score.  Sad that a BK score can climb so much in two years but heaven forbid you have a late payment, you are tainted for life by FICO (or at least 7 years Smiley Wink).  Although I would not want anyone paying me late either, I'd much rather have my money late than not at all, but such is the world of FICO.


Last night I got the approval email for the credit card as well.


Cash Rewards Visa Signature $15K at 9.9%

CLOC at $15K


Will hit them up at the end of the summer and hopefully take the card to the full SP $25K.


I'm very happy with the experience!  Thank you everyone for the information you have shared in the forum.


Message 1 of 13
Super Contributor

Re: NFCU Success

Great job and welcome to the Navy Federal family! Smiley Happy
Message 2 of 13
New Contributor

Re: NFCU Success

Welcome to the family!
Message 3 of 13
Valued Contributor

Re: NFCU Success

Congratulations! Navy Federal is awesome! I have been with them since I was 12 years old.

Message 4 of 13
Frequent Contributor

Re: NFCU Success

Congrats on your approval! Smiley Happy  Welcome to the NFCU fam Smiley Happy  Now would be a great time to join the garden!

EQ Fico 8 - 807
TU Fico 8 - 804
EX Fico 8 - 781
As of 09/03/17
Message 5 of 13
Frequent Contributor

Re: NFCU Success

Congrats they are a awesome credit union. I also have the cloc and cash rewards both setting at 15k each. My cash rewards started at 3k 3 months ago and got it up very quickly. I'm waiting on my next AR which should be in June. 

Message 6 of 13
Valued Contributor

Re: NFCU Success


Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 7 of 13
Regular Contributor

Re: NFCU Success

Sure wish I could get an acct with them. Anybody know how? Grandpa was in the navy. Passed on now.
Message 8 of 13
Senior Contributor

Re: NFCU Success

Nice, congrats on your success !!

Message 9 of 13
Super Contributor

Re: NFCU Success

Awesome! If baller would adopt me, maybe I would be eligible to join. Smiley Happy

Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 10 of 13
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