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Frequent Contributor
Posts: 304
Registered: ‎06-27-2008
0

NFCU CC/Loan

I just got my membership for Navy Federal and applied for a NRewards. Approved for 2k.

My question is, I was interested in applying for a personal loan. Would I be able to?

myFiCO as of 1/2015 - EQ: 775, TU: 793, EX: 772

AmEx Costco TE 3.6K, AmEx Zync, Barclays (NFL) 8.2K, Best Buy (store) 8K, Best Buy MC(AU) 500, CAP1 Venture 4K, CAP1 QS 2.5K, Chase Freedom 10K, Chevron 1.1K, Citi DC 10K, Dillard's AmEx 5K, Discover It 14K, Macy's (store) 4.5K, NFCU cashRewards 20K, NFCU nRewards 20K, NFCU LOC 15K
Frequent Contributor
Posts: 304
Registered: ‎06-27-2008
0

Re: NFCU CC/Loan

Once they pull your credit do they see if you qualify for any other products?

myFiCO as of 1/2015 - EQ: 775, TU: 793, EX: 772

AmEx Costco TE 3.6K, AmEx Zync, Barclays (NFL) 8.2K, Best Buy (store) 8K, Best Buy MC(AU) 500, CAP1 Venture 4K, CAP1 QS 2.5K, Chase Freedom 10K, Chevron 1.1K, Citi DC 10K, Dillard's AmEx 5K, Discover It 14K, Macy's (store) 4.5K, NFCU cashRewards 20K, NFCU nRewards 20K, NFCU LOC 15K
Frequent Contributor
Posts: 368
Registered: ‎09-14-2009
0

Re: NFCU CC/Loan

You will get another hard pull if you apply for a personal loan. The CCs and Loans have seperate departments and each have to pull their own report. It sucks, but that's the way it is.


EQ Starting Score: 579 | TU Starting Score: 568
EQ Current Score: 650 | TU Current Score: 653
EQ Goal Score: 1000 | TU Goal Score: 1000


Regular Contributor
Posts: 203
Registered: ‎08-23-2009
0

Re: NFCU CC/Loan

USC08 -- can you share your stats upon applying (i.e. FICOs, baddies, AAoAs, etc.)?  And congrats!

"It's myFICO and I can cry if I want to!"

Starting Score January 1, 2010: 640
Current Scores Updated Sept. 6, 2011: EQ: 765 / TU: 778 / EX PLUS: 773
Goal Score: 800

Take the FICO Fitness Challenge

"Working my way up!" :smileywink:
Frequent Contributor
Posts: 304
Registered: ‎06-27-2008
0

Re: NFCU CC/Loan

EQ - 660

No Baddies

AAoA - 2 yrs

myFiCO as of 1/2015 - EQ: 775, TU: 793, EX: 772

AmEx Costco TE 3.6K, AmEx Zync, Barclays (NFL) 8.2K, Best Buy (store) 8K, Best Buy MC(AU) 500, CAP1 Venture 4K, CAP1 QS 2.5K, Chase Freedom 10K, Chevron 1.1K, Citi DC 10K, Dillard's AmEx 5K, Discover It 14K, Macy's (store) 4.5K, NFCU cashRewards 20K, NFCU nRewards 20K, NFCU LOC 15K
Regular Contributor
Posts: 203
Registered: ‎08-23-2009
0

Re: NFCU CC/Loan

Thanks for the info!

"It's myFICO and I can cry if I want to!"

Starting Score January 1, 2010: 640
Current Scores Updated Sept. 6, 2011: EQ: 765 / TU: 778 / EX PLUS: 773
Goal Score: 800

Take the FICO Fitness Challenge

"Working my way up!" :smileywink:
Frequent Contributor
Posts: 304
Registered: ‎06-27-2008
0

Re: NFCU CC/Loan

Since I just applied and got approved for a nRewards would you guys recommend that it would be ok to apply for a signature/personal loan?

myFiCO as of 1/2015 - EQ: 775, TU: 793, EX: 772

AmEx Costco TE 3.6K, AmEx Zync, Barclays (NFL) 8.2K, Best Buy (store) 8K, Best Buy MC(AU) 500, CAP1 Venture 4K, CAP1 QS 2.5K, Chase Freedom 10K, Chevron 1.1K, Citi DC 10K, Dillard's AmEx 5K, Discover It 14K, Macy's (store) 4.5K, NFCU cashRewards 20K, NFCU nRewards 20K, NFCU LOC 15K
Valued Member
Posts: 31
Registered: ‎02-21-2010
0

Re: NFCU CC/Loan

I just got approved for a $10,000 goRewards card, after recetly being approved for $67,000 in auto loans and a $3,000 personal loan. My FICO when approved was 607, with a BK in 4/08. They only pulled my credit once because I applied for all the loans within 30 days of each other.


Starting Score: TU=595, EQ=635
Current Score: TU=650, EQ=629
Goal Score: TU=725, EQ=725


Take the FICO Fitness Challenge
Regular Contributor
Posts: 154
Registered: ‎02-24-2010
0

Re: NFCU CC/Loan

Yes. With a score of 660 you shouldn't have a problem getting approved. They make ask for proof of income. Last month, I was approved for 9K signature loan with a score of 653. Good luck.

Total CL's combine: $150,600.
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