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Opening NFCU checking

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Regular 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 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
7 REPLIES 7
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Mega 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

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 2 of 8
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Regular 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 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 3 of 8
Highlighted
Mega 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

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 4 of 8
Highlighted
Regular 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 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 5 of 8
Highlighted
Mega 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.

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 6 of 8
Highlighted
Regular 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
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Regular 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 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 8 of 8
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