Will NFCU let me back in after paying charged off checking.

[Morphyyy]

I have read lots about this if you pay back navy they will let you back in but what if your charged off checking accounts have been sold to somebody else and you pay them off, will navy still let you back in?

I have 3 charged off checking accounts with navy and it's less than $1,000 total and I currently have a checking and savings still open with them. I just wanted to know if they did in fact sell my debt and I pay the collectors off will I be able to get new accounts with navy?

thanks 

[Horseshoez]

@Morphyyy, contact NFCU directly and offer to make amends.  Odds on bet you'll get back in, probably not immediately, but you will get there sooner or later. 

[GZG]

---

@Morphyyy wrote:

I have read lots about this if you pay back navy they will let you back in but what if your charged off checking accounts have been sold to somebody else and you pay them off, will navy still let you back in?

I have 3 charged off checking accounts with navy and it's less than $1,000 total and I currently have a checking and savings still open with them. I just wanted to know if they did in fact sell my debt and I pay the collectors off will I be able to get new accounts with navy?

thanks 

---

assuming you pay everything off in full, you'll be able to apply and be considered for future navy credit products, you'll still need to qualify credit wise, and I'm not sure how much they hold it against you the previous checking charge offs, but when contacting them, I would ask specifically when you'll be good in their system re: the charged off checking account balances, to apply for credit products after paying them back

[pizzadude]

Agree with the above posts, and put another way -- if you don't pay them back you'll never get back in.

Paying them is a prerequisite but not a guarantee. 

[MichaelTryingToGetTo770]

They absolutely will let you back in. I am an example of that. I had a secured card with them that became unsecured, I had the card for five years. My mother then got sick with ovarian cancer and I had to quit my job to help her. I was not able to earn enough income, driving part-time Uber to pay my minimal bills and my credit card. I was existing just paying the minimum payment, barely, but Navy Fed closed my credit card out from under me. I suppose if I had called them and told them of my situation, they might've worked with me, but I was not in the proper headspace at that time.

long story short my account was about to be charged off, but not fully charged off yet. It was at 120 days for two months in a row. It was at that point that my life insurance policy on my mother paid off and I was able to completely pay back the $3700 that I owed Navy Fed.  At the same exact time I also opened a new secure credit card with a $3000 security in May 2024. This past May 2025, they released the security and now my credit card was at $3000 unsecured. Within this last month (August 2025) I asked for and received a credit line increase. They bumped my credit line from $3000 up to $9000. So, though mine was not completely charged off, it was very, very close to being charged off, I believe you'll still have the same success that I did.

I hope you find this comment to be of value. 

[Pppoolboy]

I'm pleased to hear this.  Back when I was doing Chapter 7 bankruptcies (still do a few sometimes), Navy Federal was always the most difficult lender of any -- other than the payday loan companies -- to deal with for any client who had unpaid debts with them. 

Navy Fed would send nasty, oddly personal letters to my clients complaining about how NFCU will "never work with anyone who has caused a loss to the members of the credit union" [I'm paraphrasing].  Also, they aggressively tried to set-off unsecured debts by trying to repo cars and sh*t.  They would claw out money from clients' deposit accounts if they fell behind on credit card payments, arguing that Reg Z only applied to banks not credit unions. They would hang up on me if I tried to negotiate a settlement rather than having my client go BK.  It was crazy dealing with them.  It was like they took the financial loss personally, like they were betrayed and hateful.

Hilariously, I'm now a member of NFCU.  But, NB: credit unions are all sweet and "customer oriented" until it looks like you're going to cause them a loss, then they turn into a Taylor Swift album real quick.