@CreditNewbie84 wrote:
Congrats!!! I'm in the rebuilding stage myself & have read so many amazing things about NFCU and how it works for people like us. A few questions:
- Have you applied for any of their credit cards?
- How long have you been with NFCU?
There are some people on here that are WAY more knowledgeable than I... but I am more than happy to share my experience. Hopefully you can get some insight from it...
I've been with them since January 18. I got an auto loan with them at the same time I set up my checking and savings account at the local branch. It was the easiest and most pleasant experience ever. Took about 5-10 minutes and they handed me a check for $5K more than I had asked for. I had low to mid 600's at the time and a car repo from a divorce on my credit, plus a BK in 2009. My recent credit history had started in Oct with a Cap1 card, but I was an authorized user on a couple other cards, which helped boost my score.
On Feb 14th, I applied for the AMEX More Rewards card and was approved for $3,900 that day.
Today, I did apply for a new card in addition to the CLOC, and was denied on the card but approved for the CLOC. I think one of the main differences is that they checked TU for the new CC and EQ for the CLOC. My TU is a dumpster fire compared to my EQ, but it was good enough to get me approved for my More Rewards AMEX in Feb.
I can't recommend NFCU more strongly - they have been instrumental in my rebuilding process thus far... absolutely amazing experience so far. And they are very good with CLIs - if you treat them right, it pays huge dividends.
