I own up to my past mistakes. Regardless of the circumstances that earned me charge-offs/collections, handling my own rebuild process was a long and difficult process. I also reassure them I have taken steps to ensure I don't make the same mistakes again. I used to jot down all my data points prior to calling a reconsideration number. These days I tend to wing it if I call (which is a totally different conversation when you churn cards).
ETA: I just noticed you were asking about Nasa. I've found Credit Unions in general, to be very difficult as far as reconsideration goes. Nasa is up there with Penfed - tough.
