hhwwe1

I got denied because my score was too low.....for a debit card..... Just under 600

thank you.... thats the answer i was hoping to hear. Were you still able to keep savings/checking open or do they close everything until that happens? I am in the unfortunate position of having to file 13 just to get a car back that was repoed in 45 days. Which means I'll be forced to include everybody. Since it is only 1.5 yeats since my chapter 7 I'll have no choice but to pay everybody back anyway. I was just afraid I would be banned forever.

even in a 13 when they will receive a full payback due to my income? only considering filing because I have no other way to get car back from other credit union in 15 days.

Unfortunately, after all the help this board has provided myself I have managed to fall again 18 months after chapter 7. Due to medical and personal issues , I was 45 days late on a car loan with a local credit union. I was in the process of refinance shopping before that anyway so wasn't too concerned about it. That is until the tow truck came. I wasn't aware credit unions are that strict. Anyway, I have no cash(or way to get it) in order to catch up payments/repo fees in under 15 days. My only hope is another local credit union that has been playin with my refinance app for a WEEK.If they are nice enough to take it including the past due payments which were in the 10 day payoff I may be able to cover the repo fees to get it back. If that falls through I dont see myself coming up with all of it to get it back from original lender IF they decide to even allow it. So due to the above issues I have some other balances/accounts that will surely all be damaged by having to scrape up this money at the last minute further destroying my credit again. Besides the other local credit union, I believe my only hope of getting car back (which i HAVE to for work purposes) is filing chapter 13. Im pretty sure i'll have no choice but to include my NFCU visa and overdraft lines. Has anybody here filed chapter 13 on NFCU and managed to maintain a relationship before or after? My income should allow the plan to pay 100% which it will have to anyway as it wont be discharged afterwards. thanks for any input.

thanks

After several denials for navchek and a $7000 cash rewards instant approval (almost immediately after chapter 7 bankruptcy 1 year ago)......... they finally approved me for $500.My 12th statement just recently cut.I should have asked for more but after several denials I almost gave up and definitely didn't want to give them another reason to deny. So what is the soonest anyone has asked for a CLI on navchek after approval? results? thanks

had it less than a year about 4 increases with only 2 oil changes and a single tire purchase. less than $200 total

i was scared to hit mine recently because it can REDUCE but was at 1800 and finally gave in. CLI to 2200

I claimed 9 for 3 years when I was working alot of overtime.I racked up about 8000 a year in past due taxes for a total of about 24,000. If you ignore them they can take your entire paycheck leaving you only about $100.That only happened to me once in the beginning.After that i waited for them to send the several required notices..... setup an installment agreement and sometimes made a payment.When i couldn't i repeated the process. If you owe them less than 25000 they basically have to take whatever you say you can give them.After 25000 they will require proof of your income/expenses to determine a suitable payment. Due to other problems i had I claimed chapter 7 and was able to eliminate over 16000. So that more than covered any interest charged. So now i'm just paying 150/month plus they take any refund i may have.... on the remaining 7000. p.s. I always filed on time just didn't send a payment with it because i didn't have any to send.Also btw i pay more than my fair share being single with no deductions i can claim so i didnt feel alot of sympathy when i had to file chapter 7.

i mean 1800 is kinda high for a tire shop. I dont expect it to get much higher so thats why im kind of nervous

I'm scared to hit it again. I started @ 900 a year ago then 1200 then 1800. Now my scored has dropped and if you read the fine print by pushing button it will increase,stay the same OR DECREASE.It is automatic and can't be changed.I don't wanna go back to 900.Anybody ever get decreased?

They declined my membership because they were not "comfortable" establishing a relationship with me. They had no further answer other than they are not open to the public and are very conservative so look elsewhere in my area. Bastards

you're not alone. i got a 7000 cash rewards(only about 3 months ago) but have been denied more than once including a recon as well for EVEN a 500 NAVchek. I'm not complaining but just doesn't make alot of sense.My info isn't quite as good as yours but hopefully with some history i'll have both.

i will add my results to the creditpull database but can't find much info on this new card. i received an invitation to apply because of new car purchase 6 months ago.i was hesitant to apply because of chapter 7, 8 months ago but......i do have a (POSITIVE) new car loan and 5(POSITIVE) credit cards. cap one 750 creditone 400 local credit union credit card 500 firestone 1000 and that damn nfcu gave me 7000.got my head all swelled up, which is the only reason i tried.i have been running money through the cards and am showing 19% utilization and got my scores in the low 600s-640. i did get the 2-4 week message but don't think it's an automatic denial as an article mentioned applications processed in dealership would get an instant decision.anybody have experience with them or think i have a chance? yes i know i don't need it,although i may trade-in or refinance with chrysler.just trying to build my available credit to minimize utilization and get the hard pulls over and done with so i can sit back and let them age. thanks

4600/5000 right now. No CLDs, balance chasing, etc. thanks everybody. i don't plan on getting it anywhere near the limit. quite the opposite, i don't plan on using it much but want the available credit to remain