Please Read and Comment!!! NFCU RECON LETTER:(

[Anonymous]

I was highly dissapointed when I recieved the message from Navy Federal Credit Dept. That I was denied the Nmastercard/Visa. I have enjoyed banking with Navy Federal I have nothing but great things to say about Navy Federal! I pulled my Credit Report on May 12,2008 before I applied with NFCU. I am aware of my score being 682!!! Which shows responsibility of my Credit Obligations. In the Past 2yrs.I have been current on all obligations! I do have a Derog which was in May of 2005. which I have disputed with the CRA. I would ask that NFCU please Reconsider my application and create a Financial relatioship with me as I have done with NFCU.I did not ask for a large amount of Credit! I would love to be considered for any unsecured credit card that fits my Credit profile! I would love to continue to do business with Navy Federal. Again Please Reconsider such a harsh decsion that was based purely on a Negative Item! I am considered Good Credit being that I have a score from fair Issac. Thank you Kindly for your Reconsideration.     okay what do you think??? any comments is appreciated! Good or Bad lol..... 

[Anonymous]

So did they deny you for the collection on your report?

[Anonymous]

I Guess so It only said DEROG... thats it Im like HUH??? i have only one item which is 2005 of May and the item was 258 CO??? thts it the rest of my items are installment loans paid as agreed! about 11 of them I do have a old CC paid on for 2yrs never late also. but what do u think about the letter?????

[Anonymous]

Good letter - send it, if you haven't already.

I am puzzled as to why you were not approved. I know folks who have received 10k - 12k lines with scores lower than yours - and with more baddies.

The NFCU cs folks are really the nicest, and most knowledgable about their products, I have ever been in contact with.   

[Anonymous]

Yes I know the Rep! In the bank told me that also!!! I  was really dissappointed I love NFCU they wanted to give me a secure card in the amount of 500 bucks Im still considering taking this offer I dont get the Recon!

[Anonymous]

Mrs. S - if you don't already have it, the  NFCU "Approvals" section fax number is 703.206.4125.

Try faxing your recon. If you do have a baddie onyour EQ report, I would recommend including an explanation for it. Say your are disputing it, or you are currently paying it off, etc.  

[Anonymous]

Thank You!!! I first sent the Recon via email msg! using my acct! where You check the status of an application. If I dont get a email back I will fax it! The NFCU rep told me to email NFCU credit dept. so thts what I did! I hope the email me back but One item thts sucks!!! Im waiting on results to see if that one item is being removed I hope so!