Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 42
Registered: ‎02-25-2009
0

NAVchek Conditional Approval

My fiance just joined NFCU on Thursday, so today I decided to join via him as a household member. We took the plunge as joint applicants and got conditionally approved for 5k navcheck. They just want his last few paystubs and a bank statment (not hard to provide at all)!!! Sooo glad I learned about NFCU. I already love them and want to switch all of our banking to them.


Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Regular Contributor
Posts: 199
Registered: ‎12-11-2009
0

Re: NAVchek Conditional Approval

Congrats! And welcome to the NFCU family! They are an awesome CU and I think you will love them!

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


Take the FICO Fitness Challenge
Established Member
Posts: 42
Registered: ‎02-25-2009
0

Re: NAVchek Conditional Approval

Our approval was finalized!! Yay!!


Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Contributor
Posts: 567
Registered: ‎10-04-2012
0

Re: NAVchek Conditional Approval

[ Edited ]

knj601 wrote:
Our approval was finalized!! Yay!!

Congrats, and I told you so Smiley Tongue

 

With NFCU, conditionally approved usually (not always) means "we're inclined to approve, but we need some more info to verify that all is as advertised."

 

As we discussed earlier, they tend to hard pull on everything, so if you intend to pursue other products with them (loans, credit card) IMO it's a good idea to apply for them at the same time / close to one another, so the inquiries all hit at the same time and age together. YMMV though.

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Highlighted
Established Member
Posts: 42
Registered: ‎02-25-2009
0

Re: NAVchek Conditional Approval

You sure were right!! I am glad to say "you told me so"! We are debating a credit card, so if we do it, we will do it soon. Thanks for everything!!


Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Contributor
Posts: 567
Registered: ‎10-04-2012
0

Re: NAVchek Conditional Approval


knj601 wrote:
You sure were right!! I am glad to say "you told me so"! We are debating a credit card, so if we do it, we will do it soon. Thanks for everything!!

Anytime. If you have existing cards with other lenders, they offer no fee balance transfers as well, which is a heck of a benefit in itself.

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

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.