Credit Cards Center Credit cards from our partners
New Contributor
Posts: 58
Registered: ‎03-15-2009

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

Also what scores do they look for? I just joined NFCU
Valued Contributor
Posts: 1,424
Registered: ‎07-24-2007

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
Posts: 545
Registered: ‎03-20-2009

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)
Current (7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.