Credit Mix Question - Installment Loans

[SouthJamaica]

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@Anonymous wrote:

Yeah I read about NFCU and I do have a little bro in the military but I just don't feel right asking him to use his docs to get into a CU.  To each their own on that note and I'm sure he would do it for me but I would feel like I was taking advantage of him in some way.  Being able to get actual loan money in my hands to turn around and pay down to such a small amount would definitely help my willingness to go for it so it is unfortunate to not have the option but oh well.  Thanks for all these helpful replies.  So much to soak in on these forums.

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It is very unlikely that he would have to do anything.

[Anonymous]

When I go to "join" on their site as a family member it states I may need him to provide at least one document to prove he serves so I haven't even bothered calling yet.  Suppose I could just call and find out though.  I honestly didn't notice until just going to the site right now that it said "may" need to provide.  Thank you!

[Anonymous]

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@Anonymous wrote:

When I go to "join" on their site as a family member it states I may need him to provide at least one document to prove he serves so I haven't even bothered calling yet.  Suppose I could just call and find out though.  I honestly didn't notice until just going to the site right now that it said "may" need to provide.  Thank you!

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NFCU has their own ways of verifying eligibility. If they can’t, their security department will contact you for his DD-214. 

The thing is, you shouldn’t feel bad for using his service to get into NFCU. NFCU serves those who serve and their family members. This is a benefit that you are entitled to in NFCU’s eyes. 

NFCU can open many doors for you, it’s definitely worth getting in. The SSL is just the start of the benefits of being an NFCU member and if I would have known about my eligibility before, I could have avoided bankruptcy by refinancing all of my credit card debt with them. 

[Anonymous]

Thank you for the encouragement.    

[Anonymous]

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@Anonymous wrote:

Thank you for the encouragement.    

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No problem. I had the same feeling about using my grandfather’s service for membership so I had to rationalize that my grandfather would be (he passed away in 2003 due to brain cancer) proud to be supporting me becoming responsible in the credit world. In a sea of 20+% cards from major issuers now stands my NFCU Platinum at 8.24% with my highest single limit at $12,700. 

There are people on this forum who would probably marry someone to become NFCU eligible 😂 

[Anonymous]

LOL

[Anonymous]

Yes you should by no means feel bad that’s a benefit you are entitled to, And there’s no disadvantage to him.

That’s cool to know they have their own ways to verify eligibility. How close sanguinity is required for membership?

[Anonymous]

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@Anonymous wrote:
Yes you should by no means feel bad that’s a benefit you are entitled to, And there’s no disadvantage to him.

That’s cool to know they have their own ways to verify eligibility. How close sanguinity is required for membership?

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Nobody really knows exactly how much NFCU can verify but considering they’re the largest credit union in the country and no doubt subject to NCUA audits all the time because of it, if they couldn’t verify eligibility somewhere else, everyone would have to have DD-214s on file. 

The only time we really hear of eligibility problems lately are when people try to sponsor using the roommate route and occasionally with grandparents there has been some extra scrutiny. If you look up the old threads about NFCU security freezes, it seems that they definitely have systems in place now that they didn’t previously. 

[MansaMusa]

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@Anonymous wrote:

Yeah I read about NFCU and I do have a little bro in the military but I just don't feel right asking him to use his docs to get into a CU.  To each their own on that note and I'm sure he would do it for me but I would feel like I was taking advantage of him in some way.  Being able to get actual loan money in my hands to turn around and pay down to such a small amount would definitely help my willingness to go for it so it is unfortunate to not have the option but oh well.  Thanks for all these helpful replies.  So much to soak in on these forums.

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You can just pay to join NFCU by joining the Navy League for $25. Once the Navy League emails you your membership, apply online, choose that you qualify as a member of The Navy League, and email your membership papers over to Navy Federal. My grandfather was a vet, but it was much easier joining this way than having someone dig up his DD214 paperwork that is decades old.

[SouthJamaica]

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@MansaMusa wrote:

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@Anonymous wrote:

Yeah I read about NFCU and I do have a little bro in the military but I just don't feel right asking him to use his docs to get into a CU.  To each their own on that note and I'm sure he would do it for me but I would feel like I was taking advantage of him in some way.  Being able to get actual loan money in my hands to turn around and pay down to such a small amount would definitely help my willingness to go for it so it is unfortunate to not have the option but oh well.  Thanks for all these helpful replies.  So much to soak in on these forums.

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You can just pay to join NFCU by joining the Navy League for $25. Once the Navy League emails you your membership, apply online, choose that you qualify as a member of The Navy League, and email your membership papers over to Navy Federal. My grandfather was a vet, but it was much easier joining this way than having someone dig up his DD214 paperwork that is decades old.

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The Navy League way in is no longer operational.