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Helping a sibling establish credit with nfcu

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Valued Contributor

Re: Helping a sibling establish credit with nfcu

Since my brother Credit score was generated to a score of 670 Since the capital one that is my account I made him a AU was added to his report
And there’s another account of the Navy we waiting for it to be added hope that will bring the score to 700
But in the mean time he had no patience and he applied for discover card and they didn’t approved him and Instead they offered a secured credit card wen the Results came back

Now my question is if he does the discover secured credit card is it another hard pull ?

Or just go with open sky secured cc since they soft pull for a new Acct for 6 months and than try discover?
Message 51 of 52
Senior Contributor

Re: Helping a sibling establish credit with nfcu

No, tell him not to apply for any more cards. Let your AU accounts report.

Once his scores level off. Have him to apply for a Navy CC of his own. Wait six months and revisit Discover again.
If he'd waited a little longer, he would have been set.
Now he needs to learn patience. And hold what he's got!
Message 52 of 52