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New Member
kittykreditkat
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
Tommy5746
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
CruzImperial
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
sbeasl11
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
CS800
Posts: 6,552
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
kittykreditkat
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
LS2982
Posts: 15,434
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
CS800
Posts: 6,552
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
Boonie
Posts: 269
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
kittykreditkat
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)

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