NFCU CLOC and CC approval

[Anonymous]

They are not strict on clean reports. NFCU is great to rebuild with. Many applications go into review and it seems to be taking a little longer than normal to hear back. They are not inquiry sensitive unless you count 30 on EQ to be a handful, lol.

NFCU doesn't use the 08 scores. They use the mortgage (I think). Have you been through your reports to make sure all your accounts are updated correctly? Anything wrong on there, even the smallest detail could result in a denial or keep your scores low.

[Anonymous]

I was wondering the same thing.  What are the odds of me being approved for a CLOC from NFCU. I just opened my own checking and savings accounts using my husband a( a govt. employee and a vet) as a sponsor. My credit profile is 731 TU, 687 EX, 665 EQ with one charge off from 2014. I also have a paid medical collection that is reporting as paid and no public records. I do have 10 inquiries on my TU and 12 on my EQ as I went on a spree this past summer to build my credit. Will it hurt my chances that I am a new member? Also, does anyone know if opening account balances affect odds for approval?

Thanks in advance for any information, experiences and/or guidance.