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Is NFCU still worth it?

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LadyJEsq
Established Contributor

Is NFCU still worth it?

Hello again Community!

 

Okay, so I applied to Navy late last Thursday. I submitted a photo of my ID that I've used for other applications without issue, so I wasn't expecting any problems. Early Tuesday morning, I received an email saying that my documentation was 'blurry.' I immediately called because I thought this was BS since I've used it before including for when I app'd for my medicinal marijuana card in my state, which was extremely rigorous. The CSR I spoke with said that she could only see that my documentation was considered 'blurry' and told me to just retake a picture and resubmit. I really didn't feel like it, but remembered this being one of the better CUs on these boards, so thought I'd give it one more try. I used a lamp to enhance the picture and got a great shot. I resubmitted my picture about 9:30am that same morning. I just received another documentation error message saying once again that my photo was 'blurry.' I immediately thought about calling again, but remember that the last time I called, the CSR had no more info than what was in the email. So now I'm wondering if it's even still worth trying to get into this CU. I haven't been on the boards in years, but I'm wondering if it's still considered a great CU? One part of me hates not finishing something I start and another part of me just wants to email them back and tell them to kiss my..... 

 

Also, does anyone have a backdoor number that I can call where I might reach someone who might be able to assist with this issue? 

**FICO 8 Scores EQ EX TU **


Message 1 of 13
12 REPLIES 12
Jnbmom
Credit Mentor

Re: Is NFCU still worth it?

Navy is a great CU. I would just try again. This has happened to me with other creditors at times .

EXP 780 EQ 796 TU 810
Message 2 of 13
LadyJEsq
Established Contributor

Re: Is NFCU still worth it?

Thanks @Jnbmom, I'll give them a call in the morning and see if I can't reach someone who can help. And hopefully it won't take another several days......

**FICO 8 Scores EQ EX TU **


Message 3 of 13
KatSoDak
Frequent Contributor

Re: Is NFCU still worth it?

It's worth it. The CLs are very generous and the interest rates are low. 

 

I would take one more picture of your ID. Maybe do it outside. Check to be sure your camera is producing  large size files. Also give this next picture a different file name so you are sure you aren't sending the previous picture.

 

Good luck.

FICO 8:

EQ FICO 9 - 770
EX FICO 9 - 758

Citi (2) | Discover | HSBC | BOA | NFCU (2) | WF (2) | Simmons Bank | FNBO (2) | PENFED | BBVA | US Bank | Lowes | Care Credit | Home Depot AU
Message 4 of 13
LadyJEsq
Established Contributor

Re: Is NFCU still worth it?

Thanks for the advice @KatSoDak. But I don't think I'll be taking another picture since I made sure with various programs that the current submitted photo was not blurry, even if it was blown up to the maximum size. I don't know what's going on here, but I'm positive my photo isn't blurry. Hopefully the next CSR will have some insights.

 

Thanks again!

**FICO 8 Scores EQ EX TU **


Message 5 of 13
OmarGB9
Community Leader
Super Contributor

Re: Is NFCU still worth it?

Alternatively, if you have a branch near you, you can just go in in person and open up an account that way.

 

And yes, Navy is definitely still worth it.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

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Message 6 of 13
TheRedHat
Established Contributor

Re: Is NFCU still worth it?

I'm honestly not seeing why this is such a big deal? Just retake the photo and resubmit it or if that's really not possible, visit one of the branches in-person? NFCU is one of the best credit unions out there.

Last update: 6/14/2025

Goal Cards
Message 7 of 13
coldfusion
Credit Mentor

Re: Is NFCU still worth it?


@TheRedHat wrote:

I'm honestly not seeing why this is such a big deal? Just retake the photo and resubmit it or if that's really not possible, visit one of the branches in-person? NFCU is one of the best credit unions out there.


She already took a 2nd photo taking care to address their issue as she best understood it based on receiving only a single word for feedback.   Nothing wrong with calling them and asking for more detailed guidance especially if she doesn't live near an accessible NFCU branch. 

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 8 of 13
jmw1
Frequent Contributor

Re: Is NFCU still worth it?

My best guess is that it is an automated process to verify ID and this is just another attempt by many financial institutions to cut costs at the expense of good service. It's very likely OP had good pictures both times that were easily readable by a human.

 

Message 9 of 13
unsungivy
Valued Contributor

Re: Is NFCU still worth it?

I'm confused why you are taking a photo, rather than scanning it in...

AU - Sock - Chopping Block -
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Message 10 of 13
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