Jump to content


  • Content Count

  • Joined

  • Last visited

Everything posted by ON-MY_way

  1. Yea I read through that who-vs-whom link I posted and just came the realization that I'm too old for that muscle memory change... but I'll definitely try and do my best. "I would like to know with whom did Chase pull?" 🙃
  2. Once you come out, you can't go back in. #PointOfNoReturn
  3. Ok that's really nice from Chase. ESL says it's not a big mistake...I spelled it correctly . https://7esl.com/who-vs-whom/
  4. Not just Chase Amazon, I got AutoCLI on my Chase Slate. I thought I was being rewarded for usage and no lates until I read about thousands of Chase customers getting limits increased.
  5. This is true. I went through the same as OP with NFCU. Fortunately, I arranged to settle cc debt for less than owed, pif the auto loan, received the title free and clear. Plus I got to keep my other NFCU cc, personal+biz checking accts. Valuable lessons learned.
  6. Update #2 YAY! I went ahead and paid off the auto loan. NFCU removed the lien and I received the free & clear auto title today. Such a relief to conclude that chapter of debt and being able to maintain the use of my NFCU Visa, personal and business banking accounts.
  7. This is GOOD news. Since NFCU and I have had our 'love loss' for each other in 2020, I've been in planning my generous CU relationship. Lo and Behold, I stumbled upon remembering I opened USAA checking/savings back in the day with they had public open eligible. Through some log-in digging and phone calls, I was able to re-fund accounts. So funny the Transfer page still shows my old Washington Mutual acct numbers. 😅 Any tips on how to best to 'manage your accounts' with them? Eventually I'll apply for a USAA CC when my scores reach the 700s.
  8. Thanks for your experience. I'll do some 4-figure test deposits and see if it meets my needs. I agree, for large checks I deposit to my business account.... which have been NFCU mobile deposit at times. lol.
  9. I revived an old USAA account recently, but didn't know about the immediate avail of mobile check depo. Is there a max $ amount on this instant funds? If you have a USAA CC, do you know if you make a payment from your USAA account does the available credit update immediately also?
  10. Update #1 I settled the charge off back in November 2020 and my CRs now report zero (0) balance with 'Settled for less than owed' remark. Saw a score boost and still have my personal and business deposit accounts along with NFCU Rewards cc.... and auto loan ($4k). I did receive the settled account letter from NFCU. Should I still refi the auto loan with another lender or just pay the auto loan off in the next couple months with NFCU and get the title given this settlement letter and reports reflecting paid charge-off. It'd be great to not have to go through a loan app and i
  11. Thanks. I very well may update here once the vehicle loan is paid in full. I'm thinking it may be a good to keep small balances across my accounts and cc until my credit profile is strong enough on it's own.
  12. ...miracle on ice. If that's the case, then I can live with the doubt you have.
  13. Quote from link: What happens is that later on, when you pay off the loan obtained to buy the car or truck, or wish to sell the car or truck, because of the cross collateral language in your contract, the credit union does not have to give you back your title if you have any other outstanding loans and accounts with them, at least not until you pay those loans and accounts in full. This blog post is why I posted here. What I've learned since posting and thanks to all the comment and help here is that ONCE you settle that dilenquent/charge-off account... whether settled for less or paid in
  14. Not surprised you feel this way, but I guess the old adage, 'never say never' applies in my case. All 3 of my personal and 2 business accts are intact along with the cc. I could show a redacted screenshot of the NFCU nRewards acct, but I'd hope my word and long standing member here would suffice. #NoBS
  15. I was curious on why you felt this way. Have you seen other instances that differ?
  16. I have the settlement funds sitting in a NFCU Business LLC account. I plan to call NFCU Collections and remind them this phone call is being recorded. Get the statements on no adverse effect on other NFCU accounts after settlement and then do a Member-to-Member transfer (instant) from biz account to personal account so they can withdraw the funds while on the call and put this matter to rest. How does that plan sound?
  17. I spoke with a bk atty about my case...paid his consult fee. He basically was honest and said he charge $600 per debt and since he felt I negotiated a great offer with NFCU there wasn't much he could do that I can't do on my own. Could NFCU get 'nervous' when an atty contacts them and rescind the settlement offer?
  18. Yep, if you 'settle for less' it will reflect this on your credit reports and like someone mentioned earlier in this thread, you're pretty much dead in the water for any other loan or credit products going forward. Sure you can apply but somewhere along the processing (after the hard inquiry) you'll get a denial with the reason, "You caused NFCU a loss". If having a future relationship with NFCU is worth $5,800 then work out a plan. It's my understanding they don't set a time frame to pay off charge off, just don't miss any agreed payment plan you setup with them.
  19. I know! I couldn't believe every person in their collection dept has the audacity to say, "We don't cross-collat" when it's clearly in loan terms and mentioned repeatedly throughout internet searches. I guess when you cross NFCU you see a different side of things. I tried calling to get to loan/underwriting dept. Once there I gave my member number and put on hold... minute later... collection dept on the line. "Mr OMW, we do not cross collat loan products."
  20. After several calls it's a no-go on receiving in writing what they say on the phone. "All accounts are separate." "If you settle as agreed, then no outstanding debt for this account." "NFCU does not cross collateralize." If I settle for less then the balance will be 0 , no more collection efforts and I get a big fat $20,000 1099. Thats my understanding. I have the settlement amount to pay them, just want to make sure it's done and finalized where I can payoff the auto loan and receive title. I'll sock drawer the other NFCU CC I still have.
  • Create New...

Important Information