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Apping Navy fed. Better to do on line or over the phone?

New Contributor

Apping Navy fed. Better to do on line or over the phone?

Also what scores do they look for? I just joined NFCU
2 REPLIES
Valued Contributor

Re: Apping Navy fed. Better to do on line or over the phone?

I applied over the phone for the Flagship Visa and nRewards MC and the Navcheck LOC.  I dunno if they have a particular cutoff score, but a csr told me (as of about 8 months ago)  their grade syatem is:

 

A+: 750-850

A:   720-749

B:   660-719

C:   610-659

D:   560-609

D- : 550-559

 

I think there have been posters here who have been approved with a 610 score. You might wanna do a search on that. NFCU pulls EQ exclusively.

 

Good luck.

 

 

 

New York Yankees - 2009 World Series Champions. 27... and counting.....
Established Contributor

Re: Apping Navy fed. Better to do on line or over the phone?

I did all my app online (except my car re-fi) with NFCU.  I was approved for a CashRewards Visa $1,200 CL & a week later a GoRewards MC $1,000 CL.  My scores were just under 600 at that time.  I got them in the mid 600s when I did the car re-fi.  My last thing from them was the LOC which I didn't realize my score had dropped just under 600 again due to all my new accounts hitting my report & was approved for $500 but that is all I asked for.

 

They definately seem to be the most forgiving/generous of any lenders out there esp these days.

Starting Scores 10/12: EQ 460 (FICO)/TU 502 (FAKO)/EX 474 (FAKO)
(7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)

Current (2016): EQ 605 (FICO)/TU 657 (FICO)/EX 646 (FICO)