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Is NFCU still worth it?

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LadyJEsq
Established Contributor

Re: Is NFCU still worth it?

Thank you all very much for replying. @OmarGB9 While I knew that there were no Navy branches near me, I wondered if I could go to a Co-Op location to submit the necessary documentation, but unfortunately, that wouldn't work. And you are spot on @coldfusion!

 

Additional DPs:

 

I initially submitted a photo because it's what I had on my computer from other applications. And when I called and spoke with the initial CSR, she confirmed that I was indeed submitting a photo because per her, that's what's best. Today's CSR was equally helpful. She offered to stay on the phone with me and walk me through emailing the documents in instead of using their secure upload link. Unfortunately, the email address she initially gave me was incorrect. She had me on hold while she spoke with someone in their secure documents department and he was able to pull up my photos and give more insight into the issue. Apparently the photo was not 'blurry' but they couldn't see the watermark on the ID. I had been taking the picture of the ID with it laying down on the desk, which does not show the little outline of IL watermark. I wish they would've just said that in their initial email instead of just claiming that the photo was blurry because it certainly would've saved a lot of time. There are multiple watermarks on our IDs and the only way to view that particular watermark is to hold it up to a light. The CSR suggested that after I receive the email confirmation that they've received my documents, that I call and confirm that they're acceptable. I may do this but I submitted both photos, the one that captured the watermark and the one I sent in Tuesday in case capturing that particular watermark made the other information on the ID 'blurry' so I think I'm good. I would definitely do it if she said that it could speed up the process, but she said that they would just confirm that the photos are acceptable and that it would still take 3-5 business days. 

**FICO 8 Scores EQ EX TU **


Message 11 of 13
tcbofade
Super Contributor

Re: Is NFCU still worth it?

Sorry to read about what a struggle this has been for you, but bear with it.

 

Once you're in, NFCU is still wonderful!

 

Good luck!

Fico 8 06/01/26: EX 791, EQ 819, TU 808.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 12 of 13
LadyJEsq
Established Contributor

Re: Is NFCU still worth it?

Thanks @tcbofade! I haven't received the confirmation email which I was told only takes 15mins so I may have to call one more time.........after all this, I'm going to app for the moon and beyond and I better be approved! Smiley LOL

**FICO 8 Scores EQ EX TU **


Message 13 of 13
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