NFCU

[Shawndoe79]

Ok thanks for the info, i need to find my denial letter and see what the reasons were first.

[Shawndoe79]

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@Creditaddict wrote:

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@Shawndoe79 wrote:

ok and do you know if its fico 08 or something else?

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i believe so.

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ok according to my denial letters, it was for bankruptcy for the CLOC and CLI back in november.  According to the scores they listed, for TU they pulled fico bankcard 04 which was 590 then, now its 616 and for the CLI they used EQ Bankcard 05 which was 613 then, now its 662 so I dont know if either of those qualify for anything.  Unfortunately they are both much lower than fico 08 

[Creditaddict]

662 for sure!

[Shawndoe79]

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@Creditaddict wrote:
662 for sure!

Wondering if I should wait til the next AR or do it now?  If I do it now will it be the scores from the Dec AR? 

[Creditaddict]

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@Shawndoe79 wrote:

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@Creditaddict wrote:
662 for sure!

Wondering if I should wait til the next AR or do it now?  If I do it now will it be the scores from the Dec AR? 

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if it's a hp the ar won't matter.

[Shawndoe79]

Im sure it will be a hp because when i tried in January, it went to review but I called and cancelled.

[Creditaddict]

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@Shawndoe79 wrote:

Im sure it will be a hp because when i tried in January, it went to review but I called and cancelled.

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for cli maybe worth waiting for next ar to try.

for loc, no point in waiting

[Shawndoe79]

Ok I will wait for next AR, however I will til I get my first cli to ask for cloc

[Shawndoe79]

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@Creditaddict wrote:

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@Shawndoe79 wrote:

Im sure it will be a hp because when i tried in January, it went to review but I called and cancelled.

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for cli maybe worth waiting for next ar to try.

for loc, no point in waiting

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my bankruptcy is over a year old, however, I only had cash rewards since 9/30.  what do you suggest, taking a hp for a cli or another card?  What seems to give me a better chance of approval?

[Anonymous]

My hubby and I are both members. I have the cloc $15k and he does not. He received the same marketing as you, I did not. I assume that they sent it to EVERY member that doesn't have overdraft protection. #Marketing