Hello friends!
I have a NFCU question that's diverts from the OP's topic, so I've started my own thread to keep from hijacking this one any further.
If you have a chance, please take a look and let me know what you think!
http://ficoforums.myfico.com/t5/Personal-Finance/Credit-Requirements-for-NFCU-Membership/td-p/427347...
Thanks in advance, and to the OP, I apologize for straying from your original topic! 