Reply
New Member
Posts: 12
Registered: ‎05-12-2012
0

NAVY FEDERAL EXTREME APPROVAL

so I thought I should share, I signed up for navy fed and got a $5000 sig card .... my util is about 50%, scores low 600'   ...I went on a app spree a couple months ago denied by 4 approved by 5 cards... so i was surprised by the approval ...

 

I also tried to apply for another card w/ them but they denied the second app....

 

I have only 1 coll and a judgment reporting on 1 bureau

 

but my husband applied a with 580 scores, default student loans, IRS judgment, co, and 2 coll and was approved for 2 cards both for $10k each

 

we were floored .....

 

just thought i'd share.....

OMG WHAT AM I GETTING MYSELF INTO ...... NO MORE APPS!!!!

starting scores 11/2011 545 eq, 560 ex, 572 tu,
current scores 6/2012 674 eq (fico) 660 tu (fico) 646 ex (ex website)
Regular Contributor
Posts: 440
Registered: ‎02-08-2012
0

Re: NAVY FEDERAL EXTREME APPROVAL


kittykreditkat wrote:

so I thought I should share, I signed up for navy fed and got a $5000 sig card .... my util is about 50%, scores low 600'   ...I went on a app spree a couple months ago denied by 4 approved by 5 cards... so i was surprised by the approval ...

 

I also tried to apply for another card w/ them but they denied the second app....

 

I have only 1 coll and a judgment reporting on 1 bureau

 

but my husband applied a with 580 scores, default student loans, IRS judgment, co, and 2 coll and was approved for 2 cards both for $10k each

 

we were floored .....

 

just thought i'd share.....


Congrats on the new card and CL!!  I knew NFCU was kind but i didnt know that kind! haha.. Good for you though!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: NAVY FEDERAL EXTREME APPROVAL

Lol? Congrats? I don't even know what to say.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Regular Contributor
Posts: 122
Registered: ‎07-23-2012
0

Re: NAVY FEDERAL EXTREME APPROVAL

That is awesome! I can't wait until Jan. when we will be able to join. Congrats!

Super Contributor
Posts: 6,596
Registered: ‎04-07-2008
0

Re: NAVY FEDERAL EXTREME APPROVAL

Congrats !

 

That's a heck of an approval for $10K eeach with a judgement and collections. Was it instant approval or recon?

 

How old are the collections and judgement?

 

I have read on ehre people with scores win the high 500's and even 600's getting flat out denied and offfered secured cards.




New Member
Posts: 12
Registered: ‎05-12-2012
0

Re: NAVY FEDERAL EXTREME APPROVAL


CS800 wrote:

Congrats !

 

That's a heck of an approval for $10K eeach with a judgement and collections. Was it instant approval or recon?

 

How old are the collections and judgement?

 

I have read on ehre people with scores win the high 500's and even 600's getting flat out denied and offfered secured cards.


well his collection is from last year and the judgement is from 2009 also it was an instant approval

 

my scores are better than his and they didnt give me that much

 

 

 

OMG WHAT AM I GETTING MYSELF INTO ...... NO MORE APPS!!!!

starting scores 11/2011 545 eq, 560 ex, 572 tu,
current scores 6/2012 674 eq (fico) 660 tu (fico) 646 ex (ex website)
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: NAVY FEDERAL EXTREME APPROVAL


kittykreditkat wrote:

so I thought I should share, I signed up for navy fed and got a $5000 sig card .... my util is about 50%, scores low 600'   ...I went on a app spree a couple months ago denied by 4 approved by 5 cards... so i was surprised by the approval ...

 

I also tried to apply for another card w/ them but they denied the second app....

 

I have only 1 coll and a judgment reporting on 1 bureau

 

but my husband applied a with 580 scores, default student loans, IRS judgment, co, and 2 coll and was approved for 2 cards both for $10k each

 

we were floored .....

 

just thought i'd share.....


CONGRATS!!!

 

That's just insane with those scores, make sure you both take good care of them!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
Posts: 6,596
Registered: ‎04-07-2008
0

Re: NAVY FEDERAL EXTREME APPROVAL


kittykreditkat wrote:

CS800 wrote:

Congrats !

 

That's a heck of an approval for $10K eeach with a judgement and collections. Was it instant approval or recon?

 

How old are the collections and judgement?

 

I have read on ehre people with scores win the high 500's and even 600's getting flat out denied and offfered secured cards.


well his collection is from last year and the judgement is from 2009 also it was an instant approval

 

my scores are better than his and they didnt give me that much

 

 

 


NFCU rocks !!




Frequent Contributor
Posts: 273
Registered: ‎02-08-2010
0

Re: NAVY FEDERAL EXTREME APPROVAL

I know how you feel, same thing happed to me.   I applied thinking I may get declined and POW a $10,000 credit line.   I was on the phone with a friend and started screaming like a school girl in disbelief.  I love NFCU!  I have since obtained an unsecured loan of $500 to build my credit more.  NFCU has been great!  I hope to get a car loan thru them someday soon.  

09/20/14 FICOs, EX 671, EQ 677, TU 701
New Member
Posts: 12
Registered: ‎05-12-2012
0

Re: NAVY FEDERAL EXTREME APPROVAL

Only one thig I dont know if anyone can help me with this,.....

 

me and my husband separated and i stayed with a friend for a while and thats how i got in ...... 

 

i then told my husband And he app through marriage and got in .....

 

now we may be getting back together so the question is will i have problems changing my address so soon and has anyone heard of navy closing accnts for any reasons

OMG WHAT AM I GETTING MYSELF INTO ...... NO MORE APPS!!!!

starting scores 11/2011 545 eq, 560 ex, 572 tu,
current scores 6/2012 674 eq (fico) 660 tu (fico) 646 ex (ex website)
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 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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.