Navy Federal - Getting Back In

[daveg38]

Since I torched Navy Federal in my bankruptcy (both with a checking and credit card), I have not tried to "get back in".

4 years have passed since my discharge.

Question: do I have to re-qualify for membership and open new accounts with them? Is there a period of time to wait before asking (or attempting) to get back in?

They were good to me, and I crapped on them. I am ready to be a responsible member.

[Brian_Earl_Spilner]

From what I've read, most people need to pay them back to get back in. I believe there's a few that have settled and a few that were able to get back in after a very long period and a letter to the board explaining what happened.

[Anonymous]

If you paid your debt with them, it doesn't hurt to ask if you can rejoin. Good luck!

[AverageJoesCredit]

I concur, my understanding is explaining in detail to the board, maybe offer to pay back what was lent and hope they offer leniency

[M_Smart007]

what Joe said!!!

[jetsfan2013]

A friend of mine filed Ch 7 on NFCU back in 2014, and that included a car loan and two credit cards. He tried to get back in last year with his wife (who already was a member and attempted to add him as a joint owner on her bank accounts), and he was denied. He offered to settle the balances written off but no dice. They ended up moving everything to PenFed FWIW.