cancel
Showing results for 
Search instead for 
Did you mean: 

NFCU. MEMBERSHIP DENIED😢

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Established Member

NFCU. MEMBERSHIP DENIED😢

Hey Everyone, I applied for a NFCU membership Saturday using my roommates access number online. Got the under review message, few minutes later recieved an email saying upload my Drivers License and proof of address. I uploaded my ID and paystub with address on it because the bills are not in my name. So today I received an email saying membership denied. What did i do wrong? I very new to the credit world just started my credit in January. Did this happen to anyone else? Will I be able to try again in a few months or never? Please help!
CapOne $500 1/18
CreditOne $300 3/18
Discover $1000 3/18
PenFed ODP $500 3/18
Wayfair $1000 3/18
HomeDepot $500 4/18
Macys $405 4/18
Paypal Credit $2750 4/18
Fico TU 700 EQ 684 EX? 03/18 In the garden 4/18
Message 1 of 22
21 REPLIES 21
Super Contributor

Re: NFCU. MEMBERSHIP DENIED😢

What reasons did they give? Have you called to ask for a reconsideration?





Message 2 of 22
Established Member

Re: NFCU. MEMBERSHIP DENIED😢

They didn't give a reason on the email it just says membership denied
CapOne $500 1/18
CreditOne $300 3/18
Discover $1000 3/18
PenFed ODP $500 3/18
Wayfair $1000 3/18
HomeDepot $500 4/18
Macys $405 4/18
Paypal Credit $2750 4/18
Fico TU 700 EQ 684 EX? 03/18 In the garden 4/18
Message 3 of 22
Senior Contributor

Re: NFCU. MEMBERSHIP DENIED😢

Is the address on your ID the same as the one on the bills?

 

I'm not an NFCU member but I was always under the impression that you had to be related by blood or in a domestic partnership  of some sort with a current member for them to sponsor you for membership and that it wasn't sufficient to be just roommates.  Is my understanding incorrect?

 

EDIT:  I just found this definition of a "household member" for NFCU membership. "Household members who are eligible through existing members MUST reside at the same address and make an economic contribution to the financial stability of the household of the existing member."  So if your name is not on the lease or on any of the bills; you will not be able to prove you're making an "economic contribution" and they would not consider you a household member.





Message 4 of 22
Frequent Contributor

Re: NFCU. MEMBERSHIP DENIED😢

Your roommate isn’t a relative. I didn’t think you could sponsor a non close relative.
PenFed Power Cash ($20,000), NFCU GoRewards Sig ($18,000), PNC Cash Rewards ($15,500), PNC Cashbuilder ($15,000), NFCU CashRewards Sig($12,000), Ebates Platinum VS($10,000), Paypal 2% MC($7700), Wells Fargo CashWise($7000), Amex BCE($6000), Amex ED($6600), Synchrony Financial ($25,000), BBVA Clear Points ($3800), Amex Cash Magnet($2000), Walmart MC($8000), Fifth Third Truly Simple ($4000), BB&T Spectrum Cash Rewards($4500), BB&T Bright Card($4500), CapOne Quicksilver($1500), JCP($10,000), Care Credit($15,000), RoomsToGo($11,000), US Bank Cash 365 ($2500), US Bank Cash+ ($1,000), Wayfair($11,000), HSN($8000), Overstock($11,850), Lowe’s ($25,000), Trek Card($4250), WF mortgage 195K Fico 8: EQ 700, TU 709, EX 712, AAoA-86 months, AoOA-23 years, Fico 9: EQ 734, TU 737, EX 713
Message 5 of 22
Established Member

Re: NFCU. MEMBERSHIP DENIED😢

The website says relatives or roommate
CapOne $500 1/18
CreditOne $300 3/18
Discover $1000 3/18
PenFed ODP $500 3/18
Wayfair $1000 3/18
HomeDepot $500 4/18
Macys $405 4/18
Paypal Credit $2750 4/18
Fico TU 700 EQ 684 EX? 03/18 In the garden 4/18
Message 6 of 22
Senior Contributor

Re: NFCU. MEMBERSHIP DENIED😢

You didn't answer my question:  Is the address on your ID the same as where you currently reside?

Is your name on a lease or rental agreement?





Message 7 of 22
Established Member

Re: NFCU. MEMBERSHIP DENIED😢

Yes my ID has the same address and yes I am on the lease. I sent in my paystub because that was one of the options not a lease. But I will call to see the reason and ask if i can provide more documents
CapOne $500 1/18
CreditOne $300 3/18
Discover $1000 3/18
PenFed ODP $500 3/18
Wayfair $1000 3/18
HomeDepot $500 4/18
Macys $405 4/18
Paypal Credit $2750 4/18
Fico TU 700 EQ 684 EX? 03/18 In the garden 4/18
Message 8 of 22
Senior Contributor

Re: NFCU. MEMBERSHIP DENIED😢

A paystub proves that you're employed and your income.  It doesn't prove that you're a member of a particular household so you will need to send a copy of the lease to prove that you're paying rent since the other bills are not in your name.





Message 9 of 22
Established Contributor

Re: NFCU. MEMBERSHIP DENIED😢


@MaizeandBluewrote:

A paystub proves that you're employed and your income.  It doesn't prove that you're a member of a particular household so you will need to send a copy of the lease to prove that you're paying rent since the other bills are not in your name.


From my understanding sounds like a clear case of not only having new credit but ID Theft prevention.

Gardening 2020-2021
Total CL 113k+ UTIL 0.01% Uber Visa, DoubleCash, Quicksilver, Discover IT, Freedom Ulimited, Blue Cash, Premier Rewards GOLD
Message 10 of 22
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.