NFCU PRESCREEN OFFER

[tbc]

Has anyone have any experience with a Pre screened offer from NFCU with an acceptance code?

Results?

Comments?

Advice ?  

scared to push the button......I am in garden mode?  but a cash rewards card unsecured would be totally kewl for me....

Just got my first auto loan offer from 22% down to 14%  

again, you people here are the BOMB...and you ROCK!

[LS2982]

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@tbc wrote:

Has anyone have any experience with a Pre screened offer from NFCU with an acceptance code?

Results?

Comments?

Advice ?  

scared to push the button......I am in garden mode?  but a cash rewards card unsecured would be totally kewl for me....

Just got my first auto loan offer from 22% down to 14%  

again, you people here are the BOMB...and you ROCK!

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What is your current credit profile?? A prescreen offer doesn't take into fact your current profile.

[tbc]

Thanks for the reply......LS

I know...I think I just got like woohoo excited......My last letter invitation was for BBRZ and got approved........so I thought maybe  maybe.........

I am paid as agreed on all my bills for the last 2.5 yrs. 

I still have 6 baddies COs on my report that are over 5 yrs old.  I am still attempting to resolve.

Just pulled my score again.....and myfico score is 566 an increase of 24 from 12/22  

And, like I said just got approved for a new USED loan at 14% with a local CU here in Texas.  I had tried to get an auto loan back in Sept, and they offered me 22%  different company.

I know to alot of people 14% sounds like alot........but it is the world to me.......thats and 8% difference.  

Needless to say I didn't take the auto loan.  

I am and have been working sooooo hard at this.........

[Anonymous]

It worked for me in October when I got one of those!

[tbc]

Thanks....Chester............

I am afraid, my scores are waaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaay lower than yours...........

Just super itchey to hit submit.....lol

but garden garden garden I am.........lol

It would look sooooo good.  ugh..ugh...ugh.....

what shall I do.....what shall i do....... 

[tbc]

btw chester....did you have an acceptance code too?

[Anonymous]

Yes, I had an acceptance code!  It was on a mailed letter.  Those scores are from USAA's credit monitoring service.  I have evidence that my real scores are lower.  Every time a lender sends me a score (just a few times recently) it was around 660-690.

[tbc]

ok...wow.........chester thanks again........

I pulled the itchey button trigger finger:

Your application has been submitted and your credit card application is being reviewed.

Your confirmation number is .

A decision will be made on your credit card request within 24 hours, unless additional information is required. A credit card representative may contact you by phone or, if you have supplied Navy Federal with your email address, by email via our secure Application Message Center.

If you would like to check the status of your application or send a question to Navy Federal, you may use the Navy Federal Application Message Center at the address listed below.

[tbc]

I guess I will be holding my breath for the next 24 hours......

[Anonymous]

That's how their applications always go, so don't lose hope.  Also, when you apply on a weekend, particularly a holiday weekend, you may have to wait until Monday or Tuesday to hear back.  That's what happened to me - it was like a Thursday when I applied and I had to wait all day Friday, all weekend, and halfway through Monday.  (I must have checked status a million times.)  Good luck!