My BK was discharged 6 months ago and was wondering if I have a chance with NFCU cloc or cc... my current scores were from fico8 EQ: 604, TU: 584 and EX: 582.. i just want to start a relationship with them and want to know my odds of approval. Are they inquiry senstive? as well as utilization? I have 3 rebuilder cards and just got approved for cabela visa...
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
My first thought is it could be tough with the BK only 6 months back and the scores are on the border, I think. They tend to pull TU or EQ. I'm sure ymmv, but I think it could be better to hold of for a while. But, I can also see a situation where they may approve one, but not the other.
Keep in mind they'll HP you for membership first, then if you get in, HP you for an app. Maybe search the threads for NFCU denials to see if there are some comparable stats you can use.
Smokie, did u get approved for their cc?
R u going to try Kobe??? or have you?
I finally got in with navy yesterday after two weeks .... I did apply for CLOC --- instant denial, only applied for $500, Equifax 05 was 550 (08 was 607) oh well... ill try again in a few months.... And I also applied for CashRewards and went 24 hour Review in process.... Still waiting... been more than 24 hours.. I'm hoping they would give me, even $500 just to start with. They pulled TU for the CC and membership, myfico 04 score sits at 608... Discharged was 12/2015... I feel like waiting this long would be a denial :-( , but am still keeping my hopes up. Am still glad I got in with them
what were your scores @smokie86
@kobe2012 wrote:My BK was discharged 6 months ago and was wondering if I have a chance with NFCU cloc or cc... my current scores were from fico8 EQ: 604, TU: 584 and EX: 582.. i just want to start a relationship with them and want to know my odds of approval. Are they inquiry senstive? as well as utilization? I have 3 rebuilder cards and just got approved for cabela visa...
If you don't get an unsecured card it might be best to go with a secured card. I did this 5 months after my BK13 was discharged. They converted it to unsecured after 13 months. I then asked for a $5000 limit and that was approved. I just got another CLI to $15000 when my reports became clean.
I was denied a CLOC on Dec 2015 which was 13 months after my discharge. I think they seem to be very strict on you having a clean report. Once it is clean then the sky is the limit, well at least up to $15K.
