We don't know the speciifcs of underwriting criteria for any credit product out there. We're not underwriters for the creditors. Well, cetain user may be but in general most of us are not. We can try to determine what they might be based on aggregated anecdotal evidence but that apporach has its pitfalls. You can certainly look at prior threads on a given topic to see if there's any existing info.
If any site's search feature isn't working for you then try a site restricted Google search. To search this site you'd just add site:ficoforums.myfico.com to your keywords. Here's an example:
https://www.google.com/webhp?sourceid=chrome-instant&ion=1&espv=2&es_th=1&ie=UTF-8#q=nfcu%20personal...
Change up the keywords, use Google's date fitlering, etc to hone the results as desired.
