NFCU and Disputes

Anonymous · ‎04-19-2012

As I'm sure most of you have read, about to pull the trigger on the NFCU card.

I realized, however, that I have a medical collection dispute on my EQ (SOL is past).

Is that going to disrupt the NFCU CC process? Anyone ever tried this before?

K_J · ‎04-19-2012

Not sure what your situation with the CA is, but I just applied and got a 10K limit with NFCU. I too have a collection in dispute and your scores are better. so I guess you should be good.

Starting Score: EQ: 532, EX: 569, TU: 621 (All lender pull 10/15/11)
Score: EQ: 660,lender pull 4/13, EX: 671 lender pull 4/13, TU: 691 lender pull (4/13)
, current Score (3/16/17) EQ: 724. Goal Score: 700

Take the FICO Fitness Challenge

Datx · ‎04-19-2012

I think NFCU really only cares if the collection account is recent or not. If its old and even past SOL, then you should be fine.

Adalen · ‎04-19-2012

I had a paid collection that was reporting as unpaid on my EQ report when I app'ed for my cashRewards. It was an instant approval. Sooo, you'll probably be fine.

Anonymous · ‎04-19-2012

Paid a while ago (before I attained MyFico.com wisdom ) and didn't PFD or anything. CRTP (I said SOL before ... ) is past on it. So I am in the middle of the dispute (EQ is giving me the runaround, but I do have them in a corner now).

Thanks for the info. Eases my worries.