NFCU Recon?

[Whereis750]

Anyone know how "old" serious delinquencies must be for NFCU to approve a CC app?  I have several 120 day lates on two of my student loans back in 2009.  The student loans were made current then paid in full when transferred to another lender.    So the lates are just over 3 years old and I have no other negatives. 

TU 715  FICO

EQ 696  FICO

[Anonymous]

With those scores I wouldn't worry too much about those lates. You have a good chance. They approved me with a util bill reporting from 2007 for 196.00 I had 7 inquiries and only 8 mos. credit history. When i got my score in the mail it did specify basically stating I would've got a better limit but I have a delinquent account too new to credit and too many inquiries lol half of the inquiries are because of them!

[Whereis750]

Thanks!  Can't wait to join and app!

[Anonymous]

Haven't checked my fico for EQ since I got all except 1 collection and 2 co removed. I wonder if the denial letter will have a fako or fico on it because I see they pulled EQ. Most of my baddies are old and due to fall off in 2012 and I only have 1 cc c/o from first premier back in 2007.

[Anonymous]

assuming they pulled eq its the same model you can purchase here on this website. its always fico

[Anonymous]

Called and rep says they usually don't come back with an instant decline. She then asked me if I had a a fraud/security alert on my report as this can kick back an instant decline. She said if I get the letter and that is the case, to call back and have it forwarded over to lending for recon.

She helped me get online access since I haven't recieved my later yet. (Rec'd my card and pin though)

The secured card is under my offers.

[Anonymous]

so do you know what your eq fico is? you should get the denial letter soon?

[Anonymous]

Haven't checked it since before I started my credit repair journey. I guess I'll find out next week sometime. My EQ FAKO (from the EQ website) is 581.

[Anonymous]

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@Anonymous wrote:

Haven't checked it since before I started my credit repair journey. I guess I'll find out next week sometime. My EQ FAKO (from the EQ website) is 581.

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that doesnt mean anything. if you want to see what nfcu pulled it would be a good idea to pull your eq report sold here and it will have the same score nfcu uses

[Anonymous]

I'd rather wait til next week to get it for free then pay the 20 to pull it here. I've already done the trial thing so I'd just have to pay for it. Makes more sense to me to wait to get it for a free in a few days.