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Can I join the NFCU family? DP's listed

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Super Contributor

Re: Can I join the NFCU family? DP's listed

NFCU does a SP for membership, they have done so since early last year.

They also do use EWS, not Chex.

Your file is thick enough to get a credit card with them and you should not have much trouble as long as these baddies don’t show up elsewhere.

01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 11 of 37
Frequent Contributor

Re: Can I join the NFCU family? DP's listed


@Saeren wrote:
NFCU does a SP for membership, they have done so since early last year.

They also do use EWS, not Chex.

Your file is thick enough to get a credit card with them and you should not have much trouble as long as these baddies don’t show up elsewhere.

Thanks for your reply. Would you consider my file out of the 'rebuilding' stage? As in- no longer look towards getting secured cards; anywhere? I'm undecided/unsure which cards are the next step for me, in terms of getting approved. Their Amex card would benefit me entirely, with it's reward system. Regardless, I have to sit here anxiously waiting to see if my Discover card graduates this month. Would be lovely to apply having two unsecured cards at $2k limits. 

Open LOC:
Paid-off Installment Loans:
2018:
2019:

IN THE GARDEN UNTIL DECEMBER 17, 2019!!
Message 12 of 37
Super Contributor

Re: Can I join the NFCU family? DP's listed

Your scores are more than enough for NFCU. They aren’t as score oriented to begin with and actually would probably really like your profile since it seems suggestive that you will probably spend a lot with them. 

 

Your scores are way out of the realm of secured cards but your age of accounts isn’t super long which will come into play with some lenders (Chase for example). 


01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 13 of 37
Frequent Contributor

Re: Can I join the NFCU family? DP's listed


@Saeren wrote:

Your scores are more than enough for NFCU. They aren’t as score oriented to begin with and actually would probably really like your profile since it seems suggestive that you will probably spend a lot with them. 

 

Your scores are way out of the realm of secured cards but your age of accounts isn’t super long which will come into play with some lenders (Chase for example). 


thanks buddy.

Open LOC:
Paid-off Installment Loans:
2018:
2019:

IN THE GARDEN UNTIL DECEMBER 17, 2019!!
Message 14 of 37
Frequent Contributor

NFCU 3-5 Day Notice

I opened a membership (soft pull) with NFCU on the phone just a few minutes ago and I was told after providing my initial $5.00 deposit that their review team needed 3-5 days to "review" "stuff". The representative didn't have an answer of what could be wrong. 

 

Did I do something? Is it because I have fraud alerts on my credit reports? 

Open LOC:
Paid-off Installment Loans:
2018:
2019:

IN THE GARDEN UNTIL DECEMBER 17, 2019!!
Message 15 of 37
Valued Contributor

Re: NFCU 3-5 Day Notice

I believe this is fairly standard.  Everything should be fine.  I'll step out on a limb and give you a pre-celebratory welcome to NFCU!

Message 16 of 37
Frequent Contributor

Re: NFCU 3-5 Day Notice


@Hasselfree wrote:

I believe this is fairly standard.  Everything should be fine.  I'll step out on a limb and give you a pre-celebratory welcome to NFCU!


Just got an email:

While reviewing your application, we were unable to verify one or more of the required pieces of information. To verify your information, please provide one government-issued photo ID and a second document demonstrating proof of the physical address submitted on your membership application.

 

Uploaded the documentation, hopefully it doesn't take long <3. Thanks for the pre-welcome party (:

Open LOC:
Paid-off Installment Loans:
2018:
2019:

IN THE GARDEN UNTIL DECEMBER 17, 2019!!
Message 17 of 37
Valued Member

Re: NFCU 3-5 Day Notice

Same thing happened to me when I applied for membership. I have a branch nearby so I just went in. Welcome to the NFCU Family! I love them 

UTL= 5%
AMEX Gold
Discover it - $1,000
Chase Freedom Student- $500
Navy Federal More Rewards Amex- $500
USAA VISA- $500
Target Redcard- $300
Navy Federal PLOC- $2,000
Navy Federal New Auto- 6.2% @ 21,000
Message 18 of 37
Valued Member

Re: NFCU 3-5 Day Notice

Same happened to me just a couple of weeks back when I joined. Uploaded DL and paystub and after it was processed (about 4 wokring days) I received the 'Welcome to NFCU' e-mail.

 

Pretty standard stuff.

Chase Freedom Unlimited $1k
Discover It $3.4k
Amex Blue Delta Skymiles $4k
Farm Bureau Member Rewards $5.5k

FICO8 @ 9/4/19 Ex 757 Eq 775 TU 748

Gardening and preparing to buy a house!
Message 19 of 37
Frequent Contributor

Re: NFCU 3-5 Day Notice

thanks everyone for your feedback, i'm just so anxious. august is going to hopefully be an amazing month. 

Open LOC:
Paid-off Installment Loans:
2018:
2019:

IN THE GARDEN UNTIL DECEMBER 17, 2019!!
Message 20 of 37
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