I am SO excited....I love these boards!!!! I never reconed before but, after reading about another poster's sucess, I decided to go for it...SUCCESS!!! I opened a new Navy Federal checking account and applied for a credit card at the same time. I was given the 7-10 days routine and then received a denial letter "due to bankruptcy". I left it alone as many say that you need to have a direct deposit before they would approve but that they really were bankruptcy friendly. After reading another poster's story about messaging them (THANK U) I figured what the heck, they already said no right. I sent a long message explaining the bankruptcy, that my direct deposit was in process and how eager I was to start fresh and establish a relationship with them (I REALLY am, I have heard nothing but great things & now I know why). THEY ARE WONDERFUL!!! I log into my account today and it lists a visa platinum for $1500. It small but a start. I am going to be super responsible with my accounts and am SO HAPPY to be a part of NFCU!!!!!
THANKS EVERYONE!!!!!!!!!!!!!!!!!!!!!!!
Starting Score: 530
Thnx!!! I am still doing the happy dance 
BIG thanks to Nooah07 for posting his/her story and advising on the messaging feature within NFCU account access link.