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FICO score needed for ANY Navy Fedral Card???????????

Contributor

FICO score needed for ANY Navy Fedral Card???????????

Very interested in obtaining a unsecured card from Navy Federal Credit Union! My EQ FICO is a digit or two below 600. Im wondering if they offer a unsecured card that can be obtained within that score range or is there nrewards secured card my only option?


Starting Score: 548
Current Score: EX686EQ682,TU???
Goal Score: 760


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Message 1 of 24
23 REPLIES
Frequent Contributor

Re: FICO score needed for ANY Navy Fedral Card???????????

I believe I was at a 580 when approved for the cashRewards.. with a $7K CL.  I don't know if time is a factor, but I've been a member since '83.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
Message 2 of 24
Mega Contributor

Re: FICO score needed for ANY Navy Fedral Card???????????


knightlynews wrote:

Very interested in obtaining a unsecured card from Navy Federal Credit Union! My EQ FICO is a digit or two below 600. Im wondering if they offer a unsecured card that can be obtained within that score range or is there nrewards secured card my only option?


It's been well documented that NFCU approves members with scores below 600. It may not be much but it is definitely YMMV.




EQ FICO 548 3/3/16
Message 3 of 24
Valued Contributor

Re: FICO score needed for ANY Navy Fedral Card???????????

YMMV...it's really hard to say with NFCU. They could decline you, aprove you instantly for $10k, or make you wait 3-5 days for a $500 card.
Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 4 of 24
Valued Contributor

Re: FICO score needed for ANY Navy Fedral Card???????????

Approve**

Damn iPhone
Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 5 of 24
Regular Contributor

Re: FICO score needed for ANY Navy Fedral Card???????????


knightlynews wrote:

Very interested in obtaining a unsecured card from Navy Federal Credit Union! My EQ FICO is a digit or two below 600. Im wondering if they offer a unsecured card that can be obtained within that score range or is there nrewards secured card my only option?


I think you would have a pretty good chance.  May not be instant, I'm waiting to hear back from them on my app.

 

Any baddies on your CR?

Message 6 of 24
Established Contributor

Re: FICO score needed for ANY Navy Fedral Card???????????

I got 10K with a EQ 634 with an instant decison. I also had 1 Collection from 07' and had a very high util at the time of the application. I felt I had a shot at something because I read the consent and it stated they will counter-offer another product if you are declined. YMMV and good luck!


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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Message 7 of 24
Frequent Contributor

Re: FICO score needed for ANY Navy Fedral Card???????????

pulse+income=NFCU approval!!   Good Luck i am sure you will be fine.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Message 8 of 24
Contributor

Re: FICO score needed for ANY Navy Fedral Card???????????

Thanks, been a member since '01.


Starting Score: 548
Current Score: EX686EQ682,TU???
Goal Score: 760


Take the myFICO Fitness Challenge

Message 9 of 24
Contributor

Re: FICO score needed for ANY Navy Fedral Card???????????

Had 7 baddies, down to 2. I have a 5 mo old Cap1 secured (credit ut 30%), never late. I was going to apply for the secured, but I think after all the positive responses I will try for the unsecured. Maybe I should get one more month (May) of the Cap1 reporting and try to get my uti down to 10%. My ultimate goal is approval for a car loan in mid June through Navy Fed, so I was thinking the card would look good as far as establishing a relationship with them!


Starting Score: 548
Current Score: EX686EQ682,TU???
Goal Score: 760


Take the myFICO Fitness Challenge

Message 10 of 24