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NCFU Membership Decline

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New Contributor

NCFU Membership Decline

I applied for NCFU recently.

 

When I tried to apply through 'Select Emplyoee Group' -> Selected Other -> Typed my Employer name, it showed me eligibility.

Got Excited and applied on the weekend.

 

Then I got an email on Monday to upload proof, sent my paystub. Also noticed a soft pull on my bureau.

 

Today, I got a decline email.

 

Is there any way to get into NCFU without any links to servicemembers 

 

 

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8 REPLIES 8
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Valued Contributor

Re: NCFU Membership Decline

Try calling their membership department

Ch 7 Discharge 3/12/2018
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Message 2 of 9
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Community Leader
Super Contributor

Re: NCFU Membership Decline

They only way to get in without being employed or related to an employee of the DoD is to be roommates with a member.







Message 3 of 9
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Community Leader
Super Contributor

Re: NCFU Membership Decline

Should note that you need to show proof of household expenses for them to sponsor you. Lease, utility bills, etc.







Message 4 of 9
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New Contributor

Re: NCFU Membership Decline

I called them to inform the glitch.

 

Still a no go for me. I will not have access to NCFU.

Will have to stick with my Penfed.

 

Maybe they fix the glitch in the system.

Message 5 of 9
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Valued Contributor

Re: NCFU Membership Decline

Sorry to hear. The only thing I'll add is, I think more people qualify than realize it. I assumed I was not eligible since I have no immediate family members who were in the regular military, but I learned on this board that National Guard service counts. My father was in the National Guard in the 1960s, and that qualified me. A grandparent would also qualify, and if you have no such connections but a spouse does, the spouse could join and then you could join. If you still can't find a way in, though ... ah well, PenFed is also good. Smiley Happy


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $85,100, not counting the AU card. The AU card brings the total to $110,100. In March 2019, card CLs totaled $0.

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 6 of 9
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Mega Contributor

Re: NCFU Membership Decline

I am surpised @AllZero did not chime in with the "daisy chain method"Smiley Very Happy

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 7 of 9
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Regular Contributor

Re: NCFU Membership Decline


@M_Smart007 wrote:

I am surpised @AllZero did not chime in with the "daisy chain method"Smiley Very Happy


I remember reading those daisy chain threads on a different forum way back. It was crazy with how many people would be involved in the chain just to get one person into Navy.


Moving away from big banks and building my credit union relationships
Message 8 of 9
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Super Contributor

Re: NCFU Membership Decline

Sorry to hear about your decline. All I know is some how you have to be related to some one in service. I became a member long time ago when NFCU bought another bank and I was a member of that bank and automatically I became a member of NFCU.

As of 1/5/2020 - EQ 576 / TU 600 / EX 566
As of 6/28/2020 - EQ 613 / TU 620 / EX 608
Message 9 of 9
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