There is a lot of great information throughout this and other NFCU AR posts. Is the AR specific to NFCU being able to generate their own "internal score" for credit purposes or is it simply to check on your credit profile? For example, during AR, do they look at your tenure, how many deposit accounts you have, and the balance in your deposit accounts to increase the chances of a more favorable credit outcome? I wasn't sure if anyone had experience with this. Thanks.
Current Score: Eq: 823 Tu: 830
@Anonymous wrote:Could someone link me to the posts on the alternative method for how to get in with these guys? I don't remember the key words to search between two threads of ~800 pages. Been gone for the most part since last summer and just remember quickly hearing about how we shouldn't email our info and should send it instead? Thanks Guys
Check out this thread, mostly the first post: http://ficoforums.myfico.com/t5/Personal-Finance/Navy-Federal-CU-The-REAL-way-in-for-those-that-dont-qualify/td-p/4598275
Then check out this thread, mostly the latest posts: http://ficoforums.myfico.com/t5/Personal-Finance/NLUS-San-Diego-alive-and-well/td-p/4640823
If you have any questions, the folks on those threads are knowledgeable and willing to help! 
Thanks very much UncleB, will grab some coffee and have a good read. 
@Aduke1122 wrote:
Yes they have their own enteral scoring system , plus with the AR they also look at your credit profile for EQ . Something about the AR triggers you to be approved for SP vs HP I'm not sure what exactly that is yet .
That is good to know. Yes, just trying to piece it together as I was wondering if they gave you more "points" on you AR if you had multiple deposit accounts like, savings, CD, IRA, MMSA, etc, or a certain balance between your accounts. I will keep my patience since the next AR should be around the corner, and then I can check my reports to see if I am gettings SPs.