TJF

what type of score did you have when you got the secure card approve?? How much was the minimum u could put down? No score needed to get an NFCU secured, For me When I got it, I was turned down for for the unsecured. I put 1k on it. My son just got one no pull required. But The lady in my Local branch told me this will end the end of the month. Minimum to add to card 500 I wasn't 100% clear on your post. Is the only change the minimum to put down? I'll probably be getting on for DW soon, but wasn't planning on this month. Minimum isn't an issue, but if there are any other changes....

I truly appreciate all the feedback everyone. Thank you!

Aha! Interesting. Thanks!

Ya I'm not worried about late payments since I'll be handling that. That's a pretty low score for an approval, but makes me feel better about trying option 1. Any thoughts on the NavCheck LOC? Does that even do anything for your scores/reports?

any other thoughts?

Thanks Jemack for the information. Was your CO paid or unpaid?

I've got updated reports on both of us....I'm just not buying FICO scores. DW has no positive TLs - only AU accounts. We both work - I make give or take 70k, she makes give or take 45k.

I am eligible to join NFCU - and will be joining shortly. I've been working on DW's credit issues for a few years now. Her EQ has 3 baddies left: Unpaid Charge Off - CapOne (due off 8/10) [also on EX & TU] Unpaid Charge Off - WFNNB (due off 7/11) [also on EX & TU] CO Closed/Transfered - GEMB/JCP (due off 8/11) [also on EX] She has various AU accounts of mine on her reports and an EQ FICO (as of 10/08) of 628. Hopefully this has gone up slightly since then, but I'm not going to pull an updated FICO. I need some advice on how to go about applying for credit at NFCU. My reports are spotless with the exception of utilization (after a big BOA and Amex CLD over the past few months) which I am aggressively reducing while not adding any additional debt. Due to the CLDs I've probably got about the same percentage of util as when I pulled my EQ FICO (on 10/08) and received a 709. DW has no CCs in her own name. She only has the AU accounts, and while I continue to fight the baddies you see above, I'm also trying to work on the other half of credit repair. That being said she desperately needs her own account. Here are what I see as my options - I'm looking for any feedback: Individually apply for CCs - We each would apply separately for cards. If she is declined, go to option 2. 1-2 NFCU Punch - The infamous NFCU 1-2: DW would get secured loan (~$2000) - use funds to open a secured Card Joint CC Account - I am already planning on opening a joint savings/checking account. With this option we would apply for a joint CC. We've never had a joint CC, so this process would be new to me. Ideally we would do Option 1 and we each would get a CC and be done with it. I'm concerned her unpaid COs will not allow her an approval - but would we even get approved on a Joint application? Does she need to apply for an unsecured CC in order to be offered a secured CC? Also, I've seen they offer a NavCheck LOC - is this product worth anything for credit repair if we would never use it? I'd love to hear any suggestions and advice!

I used the warranty protection on my Amex for a TV I purchased. The warranty period for the TV was over but I was still within the extended period with Amex when it broke. I called Amex, they had me send in my receipt/invoice and fill out some paperwork. I had to do this BEFORE the repairman came out for his initial visit. Once they approved the repair I believe I paid via check and Amex reimbursed me by check. This all happened a couple years ago, so I'm fuzzy on the details, but I do remember the process being (all things considered) pretty painless. Saved me a good $600+ on repairs! TJ

Bummer pryan67!! They must be hitting people who aren't that active today. I got an email this morning too. I have an Amex Gold and a Blue. They lowered the Blue from 18.5K to 4K. I've had the Blue card since 2005 but haven't charged on it once. I've still got just under 3K left on it from a 2.99 for the life of the transfer offer. Still, that is a HUGE hit on my utilization...can't wait to get AA from my other creditors now. From their email, "We are contacting you to let you know that after a thorough review of your credit profile we have lowered the credit limit on the account listed above." No, F/R, but a "thorough review" huh? No changes to my reports except a steady decrease in my utilization.

wow, very odd. Now you've got the FA. What a pain...the account wasn't fraudulent though, correct?

Bump for the new week

Was yours unpaid as well? I'll be sure and keep you posted!

The dates are PROBABLY correct. This is DW's account, and when it came to her accounts, irresponsibility is an understatement. She didn't know when she opened any of them, didn't know when she stopped paying, didn't have any statements or anything! The dates seem to match fairly well from CRA to CRA, so I'm assuming they are probably correct. I've disputed maybe 4 or 5 times over the past 2 years, give or take.

Those who have seen me post know I am working on cleaning up DW's reports. Been working on it strong for a couple years now and am down to 3 baddies (2 on TU). Here I am now soliciting your help to see if you can help me find any violations to dispute on. I'll ask for advice on each account in different threads so I can focus on one at a time. I've disputed many times with no success, usually just an information updated, etc. I've tried PFD, I've tried letters to the CEO and other execs looking for goodwill (repayment for either a delete, or reopening of the account, or changing the TL to paid, never late, etc., etc.), I've tried Jack attack, I've tried so many different strategies, and yet it remains. This is an unpaid CO and the tradelines are coming from the mailed copies of the CRAs in response to my last dispute. Numbers have been changed slightly to maintain anonymity. EXPERIAN WFNNB/EXPRESS Address: 4590 E BROAD ST | COLUMBUS, OH No phone number available Account Number: XXXXX.... Address Identification Number: XXXXX Status: Account charged off/Past due 120 days. $355 written off. This account is scheduled to continue on record until FEB 2011. This item was verified and updated on Sep 2006. Date Opened: 03/2002 Reported Since: 03/2002 Date of Status: 08/2004 Last Reported: 08/2008 Type: Revolving Terms: NA Monthly Payment: NA Responsibility: Individual Credit Limit/Original Amount: NA High Balance: $355 Recent Balance: $355 as of 08/2008 Recent Payment: $45 Account History: Charge Off as of Sep 2006 to Aug 2008, Aug 2004 120 days as of Jul 2004 90 days as of Jun 2004 60 days as of May 2004, Sep 2003 30 days as of Apr 2004, Aug 2003, Sep 2002 EQUIFAX EXPRESS Address: PO BOX 330066 | Northglenn, CO Account Number: XXXXX* Date Opened: 03/2002 High Credit: $0 Credit Limit: $100 Term Duration: Terms Frequency: Monthly Months Revd: 58 Activity Descriptions: Creditor Classification: Items As of Date Reported: 08/2008 Balance Amount: $355 Amount Past Due: $0 Date of Last Payment: 09/2004 Actual Payment Amount: $45 Scheduled Paymnt Amount: $15 Date of 1st Delinquency: 11/2004 Date of Last Activity: Date Maj. Del. 1st Rptd: Charge Off Amount: $355 Deferred Pay Start Date: Balloon Pay Amount: $0 Balloon Pay Date: Date Closed: Current Status: Charge off Type of Account: Revolving Type of Loan: Charge Account Whose Account: Individual Account ADDITIONAL INFORMATION: Charged Off Account; Charge; Account History with Status Codes: 03/2005 - 08/2006: CHARGE OFF 09/2006 - 08/2008: 180 OR MORE DAYS PAST DUE TRANSUNION LIMITED EXPRESS Address: PO BOX 330066 | Northglenn, CO Phone number not available Account Number: XXXXXXXXX Loan Type: CHARGE ACCOUNT Remarks: >PROFIT AND LOSS WRITEOFF< Estimated Date that this item will be removed: 08/2011 Balance: $355 Date Verified: 08/2008 High Balance: #355 Credit Limit: $200 Past Due: >$355< Pay Status: >CHARGED OFF AS BAD DEBT< Account Type: REVOLVING ACCOUNT Responsibility: INDIVIDUAL ACCOUNT Date Open: 03/2002 Date Closed: 04/2005 I hope I formatted it in a way that is easy to read. TIA for any help!