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Established Member
hawesda1
Posts: 10
Registered: ‎02-04-2013

More Navy Federal love

A little history first. I purchased a Dodge Charger two years ago with Santander at a ridiculous 24 percent interest. I know its terrible, but what can you do with a 546 Fico score? Anyway, I just started biulding my credit and came across myfico and heard all the great things that were said about Navy Federal. I signed up last week after I was denied by Cap1 and Bank of America for refinance. Well guess what, Navy approved me a $6000 Visa Signature CC, a $3500 NAVcheck and refinanced my car at 4.49 percent. My eq Fico is 602 and my tu is 674. Woo Hoo!!!!
Regular Contributor
coreyb80
Posts: 105
Registered: ‎07-26-2012

Re: More Navy Federal love

Congrats!

Regular Contributor
ImprovingYouth
Posts: 154
Registered: ‎09-21-2012

Re: More Navy Federal love

Wow congrats!!!

 

Btw, whats your income/ dti/ and did you already have an account with navy?

Age: 22 //Cards: Chase Freedom, Chase Amazon Visa, Discover IT, CreditOne, CapOne Quicksilver, CapOne Cash, Walmart, Barclaycard, Citibank BestBuy, NavyFederal Visa Signature cashRewards //AAoA: 1 Year 3 Months (but going down quickly :smileytongue:) //CK:692, Sesame:656
Valued Contributor
Epcot
Posts: 2,760
Registered: ‎10-10-2012

Re: More Navy Federal love

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 780 EX 770 TU 774
App free since 4/11/13
Established Member
hawesda1
Posts: 10
Registered: ‎02-04-2013

Re: More Navy Federal love

My income is $50000, dti is 20 percent. I joined Navy on 4/1. I was hesitant to apply,but during my welcome call the rep said its fine and I was approved. Took 4 hard pulls though...
Regular Contributor
ImprovingYouth
Posts: 154
Registered: ‎09-21-2012

Re: More Navy Federal love


hawesda1 wrote:
My income is $50000, dti is 20 percent. I joined Navy on 4/1. I was hesitant to apply,but during my welcome call the rep said its fine and I was approved. Took 4 hard pulls though...

Wow, despite the hard pulls, that is AWESOME! Last questions though, when you talked to them about the APR it was based off your TU FICO? Im guessing they overlooked the low EQ? Also, any baddies on your reports?

Age: 22 //Cards: Chase Freedom, Chase Amazon Visa, Discover IT, CreditOne, CapOne Quicksilver, CapOne Cash, Walmart, Barclaycard, Citibank BestBuy, NavyFederal Visa Signature cashRewards //AAoA: 1 Year 3 Months (but going down quickly :smileytongue:) //CK:692, Sesame:656
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: More Navy Federal love

That's awesome congrats! I got nuthin but luv for navy fed.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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New Contributor
hausfrau
Posts: 178
Registered: ‎04-06-2013

Re: More Navy Federal love

Holy cow. I am SO glad I came across the myFico forums. I saw all of the amazing things about NFCU and got my hubs to open an account there. Funny, he's been in for 18 years (army) and we always thought they were just for the Navy. His auto loan is at nearly 18% right now, with 18k remaining. Definitely going to keep my eye open for auto refi with them.

Starting my rebuild!


Member
ElleEsco
Posts: 15
Registered: ‎04-09-2013

Re: More Navy Federal love

DANG!!!!!

Starting: 554
Current: EX: 679
Goal: 700 all across
Stash: NFCU Rewards - $2K | NAVCheck - $2K
Last app: 3/12/13
Gardening until: 11/2013

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