NFCU showed me some love!

kd081708 · ‎03-11-2014

I joined NFCU last month and applied for a nRewards Visa and an auto refinance. Was quickly denied both. So I got frustrated and closed my accounts. Well I kept seeing everyones success stories and decided to try again. So I joined on Sunday and took a chance on the nRewards card. After I applied, I sent a secured message to customer service stating how Im trying to rebuild my credit, etc., etc., after getting the idea from another poster on this forum. Got the 3-5 day message. Well just checked my application and after 2 hours….APPROVED! $1000. I know it may not be what everyone else is getting but with my scores I am really surprised and thankful they took a chance and for all the great advice on here! GO NFCU!!!!!!!!!!!

I was supposed to be gardening but came out just for that. Now I am officially done! Until its time to refinance my car in 6 months!

Starting Score: EQ 450 EX 498 TU 470
Current Score: EQ 574 EX 581 TU 572 Barclay 596 Merrick 612
Goal Score: 600 all by 06/30/2014

Take the myFICO Fitness Challenge
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baller4life · ‎03-11-2014

Congrats and I commend you for not giving up! Welcome to the family!

CreditMagic7 · ‎03-11-2014

Congrats! on the approval and continued credit success!

kd081708 · ‎03-11-2014

Thanks! If it wasnt for this forum I would probably still be in n the 400 club....next stop 600 club! Lol

Starting Score: EQ 450 EX 498 TU 470
Current Score: EQ 574 EX 581 TU 572 Barclay 596 Merrick 612
Goal Score: 600 all by 06/30/2014

Take the myFICO Fitness Challenge
_______________________________________________________

asphaltcowboy · ‎03-11-2014

Congrats!! WTG

Best of luck to you going forward

Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013

alvon123 · ‎03-11-2014

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

sdwalt · ‎03-11-2014

Great job. I have about 30k in credit with NFCU and that is not couning the 20k I owe tnem for my car. About two years ago my scores were like yours, so the rule is never screw NFCU over no matter what. I would also recommend you quit closing your account, you want them to see you as a stable person and a great credit risk.

kd081708 · ‎03-11-2014

Thanks for the great advice! You are correct...I will not be closing these accounts anymore. Since they have given me a chance, I am going to give them loyalty!

Starting Score: EQ 450 EX 498 TU 470
Current Score: EQ 574 EX 581 TU 572 Barclay 596 Merrick 612
Goal Score: 600 all by 06/30/2014

Take the myFICO Fitness Challenge
_______________________________________________________

-Wade- · ‎03-11-2014

@kd081708 wrote:
I joined NFCU last month and applied for a nRewards Visa and an auto refinance. Was quickly denied both. So I got frustrated and closed my accounts. Well I kept seeing everyones success stories and decided to try again. So I joined on Sunday and took a chance on the nRewards card. After I applied, I sent a secured message to customer service stating how Im trying to rebuild my credit, etc., etc., after getting the idea from another poster on this forum. Got the 3-5 day message. Well just checked my application and after 2 hours….APPROVED! $1000. I know it may not be what everyone else is getting but with my scores I am really surprised and thankful they took a chance and for all the great advice on here! GO NFCU!!!!!!!!!!!

I was supposed to be gardening but came out just for that. Now I am officially done! Until its time to refinance my car in 6 months!

Congrats on your approval

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

coldnmn · ‎03-11-2014

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17