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Opening NFCU checking

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Contributor

Opening NFCU checking

So my brother has given me the info I need to open a nfcu account. My scores according to idenity iq are TU573, EQ560, EXP560. I know i will have issues with CC and CLOC. but will i have issues getting a normal checking account.

Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU SL 500 | Cap 1 QS1 4/14 AU SL 500 | Merrick Bank 5/19 AU SL 550 | NFCU Secured 8/19 200 | Gm Financial 1/19 9.9% 36k | Flagship 3/19 11.9% 39k
Experian- 688
Equifax- 642
Transunion- 635
Util- 9%
7 REPLIES 7
Senior Contributor

Re: Opening NFCU checking


@aesl1982 wrote:

So my brother has given me the info I need to open a nfcu account. My scores according to idenity iq are TU573, EQ560, EXP560. I know i will have issues with CC and CLOC. but will i have issues getting a normal checking account.


Welcome To myFICO Forums and

 

Make sure you are Getting Real FICO scores and Not "FAKO" Scores.

I am pretty sure you will be happy with Navy Federal, I amSmiley Happy

Message 2 of 8
Contributor

Re: Opening NFCU checking

Thank you, im up about 60 points in the last 4 months trying to restablish myself after some bad choices I made. Im just worried if NFCU will actually approve my checking account i have been turned down for a checking account at other banks prior. 

Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU SL 500 | Cap 1 QS1 4/14 AU SL 500 | Merrick Bank 5/19 AU SL 550 | NFCU Secured 8/19 200 | Gm Financial 1/19 9.9% 36k | Flagship 3/19 11.9% 39k
Experian- 688
Equifax- 642
Transunion- 635
Util- 9%
Message 3 of 8
Senior Contributor

Re: Opening NFCU checking


@aesl1982 wrote:

Thank you, im up about 60 points in the last 4 months trying to restablish myself after some bad choices I made. Im just worried if NFCU will actually approve my checking account i have been turned down for a checking account at other banks prior. 


on The Checking Acct. That can be frustrating.

This Forum is Loaded with Success Stories, and people That  have Rebuilt from below Ground Zero.

Many of Those People, are now Helping Others to Rebuild. I made a few mistakes in 1993, paid Them off.

I learned from it.

 

Wish you The Best on Your Navy outcome.

.

here is a good place to Read,

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/bd-p/rebuildingcredit

Message 4 of 8
Contributor

Re: Opening NFCU checking

Kinda weird. So they let me in as a member gave me a checking and savings account. But never ask for my qualifying persons information? Anyone else had this happen before
Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU SL 500 | Cap 1 QS1 4/14 AU SL 500 | Merrick Bank 5/19 AU SL 550 | NFCU Secured 8/19 200 | Gm Financial 1/19 9.9% 36k | Flagship 3/19 11.9% 39k
Experian- 688
Equifax- 642
Transunion- 635
Util- 9%
Message 5 of 8
Senior Contributor

Re: Opening NFCU checking


@aesl1982 wrote:
Kinda weird. So they let me in as a member gave me a checking and savings account. But never ask for my qualifying persons information? Anyone else had this happen before

Congrats!!! on your successSmiley Happy

 

I am sure The qualifying person gave them a heads up.Smiley Wink

but just in case, they could ask for proof.

and they have been known to.Smiley Indifferent

They may have also checked your last name against your brother's.

Message 6 of 8
Contributor

Re: Opening NFCU checking

When I opened an account they asked how I was eligible and that’s it. No names, member numbers, or anything else. You made a good choice with NFCU, they’ll be instrumental in your rebuild.
Message 7 of 8
Contributor

Re: Opening NFCU checking

Thanks you, I applied for the cc and cloc but denied. I knew I would be but had to try. I have work to do now
Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU SL 500 | Cap 1 QS1 4/14 AU SL 500 | Merrick Bank 5/19 AU SL 550 | NFCU Secured 8/19 200 | Gm Financial 1/19 9.9% 36k | Flagship 3/19 11.9% 39k
Experian- 688
Equifax- 642
Transunion- 635
Util- 9%
Message 8 of 8
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