NFCU Advice Needed

[TNTransplant]

---

@webhopper wrote:
Friends can join if they live in your house. Otherwise they have to qualify based on military affiliation as well.

---

Ha!  I keep asking to move in with someone for a month or two, but so far no takers.  And I'm not a hot chick, so it looks like I'm SOL on BigDaddy18's offer as well... 

BTW, love those score increases you posted in your sig - hope to get there by the end of this year.

[Learning_Tee0225]

I recently opended an account with NFCU in Jan of 2012 credit scores and file were horrible to say the least NFCU pulled TU for membership and a month later TU for a secured visa i got. ...intresting how different CB were oulled for diff people...

currently i sit at 573 EQ and 639 TU...was thinking of app for another CC but unsure if they pull EQ..

In all sign up ASAP! establishing an early history w/ them is never a bad idea!

[Whereis750]

Learning - thank you for the info! May I ask what your TU report looked like when you apped for the CC? Do you initially app for a secured card or did NFCU only approve you for the secured and not a regular CC?

[Learning_Tee0225]

Whereis750

my TU file was horrible to say the least i had no revolving open accounts no credit cards only 9 accounts in collections 

It was being weird when i tried to apply online so i called instead and the CS rep input my info and w/in 5 min account was set up.

I opted for the secured card due to the fact i knew what my credit file looked like.  I am at the point now where im looking to app for a unsecured CC through NFCU

[Whereis750]

Thanks Learning - wish you the best on your future app for unsecured CC.

[Learning_Tee0225]

Whereis750  thank u kindly!

[webhopper]

---

@TNTransplant wrote:

---

@webhopper wrote:
Friends can join if they live in your house. Otherwise they have to qualify based on military affiliation as well.

---

Ha!  I keep asking to move in with someone for a month or two, but so far no takers.  And I'm not a hot chick, so it looks like I'm SOL on BigDaddy18's offer as well... 

BTW, love those score increases you posted in your sig - hope to get there by the end of this year.

---

My scores are from CreditSecure with Amex,  I haven't pulled my Fico since January... No point since I'm done with the mortgage and I'm done with apping!  I can pull a 3 bureau every day for $14 / month, which satisfies my OCDedness.

You could always try to find someone on a dating website... That's how me and Joey met.   His username on the website was Marine with some numbers, so I figured I should message him since he would be unlikely to be a pansy a** or a whiner like my previous boyfriends, who were lawyers, CPA's etc.   They could never be down with my laid back lifestyle... they always cared too much about what people thought, and what kind of car they drove, and what they were wearing etc.   I wear sweat pants and a ponytail.   Joey messaged me back because I actually had a job, unlike his former gfs lmao.  On our 2nd and 3rd date, he helped me unpack boxes from my garage... He'd never met a woman who owned her own pipe wrench and saw zaw before.   So we started dating and we get along great   I didn't know about NFCU til I found out he used to be a member once upon a time, so we called and his membership was still active.  

And I'm not a hot chick either!

[Whereis750]

webhopper - you may not be a hot chick, but your scores are pretty sexy .... LOL

[webhopper]

The first time I ever knew my scores it was 393 from freecreditreport.com The thing that is more sexy than a good fico is not needing a.good.fico. I hope to be part of the latter group one day.

And I'm really glad I'm with nfcu. When my brother and sister in law are here over the summer I will try to get them joined up.

[Whereis750]

I just turned 29 and will be buying first home soon, starting a family, will need cars later. Really focused now on building healthy credit and learning all I can about it.

Also really excited to be able to join NFCU!