Took advantage of signing up for an NFCU membership via family referral. Sister had offered this to me in the past-- i wish i had done this sooner! this was before i knew anything about NFCU and before i discovered myfico.com.
9/14/2016--signed up at the local San Diego branch. HP TU (score: 634) FOR NFCU MEMBERSHIP
- applied for: NAVCHECK and asked for the max credit limit @ $15,000 CLOC-- instant approval! HP EQUIFAX @694 SCORE
- applied for: CashRewards CC - DENIED. HP TU @634
Received the letter a week later...reason- too many delinquient accounts (history of late payments)...credit usage too high.
Looking to finance home renovation for my parents' home...pulled the trigger and applied for NFCU Personal Expense Loan.
10/8/2016-- apped for Personal Loan and asked for $50,000 @ 60mos. HP TU @646 (thought they pulled Equifax for Consumer Loans? guess it's not always consistent.)
This was quite a tedious process... Loan Officer asked for a series of documents...
2 paystubs, 1 bank statement indicating direct deposit, w-2 AND AND AND 2015 TAX RETURN!
Annual income at $144,000. They wanted to verify my monthly income.
10/9/2016- conditionally approved for $39,000/60 mos @ 17.9% APR.
Wasn't too excited about the APR. I have 14 days to finalize the loan and submit promissory note but I think i will withdraw the application due to high APR. I will apply for PenFed by December for a Personal Loan in hopes they will give me a lower APR.
10/10/2016- been on a high with this mini app spree... applied for the CashRewards Credit Card... keep in mind, i was initially declined last month and this time, i was instantly approved for $24,000@ 14%APR!!! this is my highest CC SL!
i have yet to find out which CB they HP... what a difference a month makes!
=/ 
very nice approvals! Enjoy them.
very nice approvals! Enjoy them.
