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NFCU CC/Loan

Frequent Contributor

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 - EQ: 776 EX: 763 TU: 791
Message 1 of 9
8 REPLIES
Frequent Contributor

Re: NFCU CC/Loan

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

myFICO - EQ: 776 EX: 763 TU: 791
Message 2 of 9
Frequent Contributor

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


Message 3 of 9
Regular Contributor

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!" Smiley Wink
Message 4 of 9
Frequent Contributor

Re: NFCU CC/Loan

EQ - 660

No Baddies

AAoA - 2 yrs

myFICO - EQ: 776 EX: 763 TU: 791
Message 5 of 9
Regular Contributor

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!" Smiley Wink
Message 6 of 9
Frequent Contributor

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 - EQ: 776 EX: 763 TU: 791
Message 7 of 9
Highlighted
New Contributor

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 (5/16/16): EX=593, TU=587, EQ=572
Current Score (8/24/16): EX=634, TU=649, EQ=649
Goal Score: EX=725, TU=725, EQ=725


Take the FICO Fitness Challenge


Message 8 of 9
Regular Contributor

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.
Message 9 of 9