NFCU Navcheck ??

[jaicam5]

Hello all,

Can someone tell me in a worse case scenario what is the minimum EQ needed for approval?

I have have been a member and have had their cc since Dec 2012. Hopefully I'll get a cli after this statement. Unsure if I should ask for the cli. Pay acct in full monthly.

Thanks in advance.

[kampfer09]

I don't think you'll have a problem. There been giving CLI easily. I got approved for $5k and ask for $15k max I got one hour message ill see tomorrow when I login to see if I got approved for it. The worst thing they could say is no. I say go for it and see what happen.

[scarzy]

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@jaicam5 wrote:

Hello all,

Can someone tell me in a worse case scenario what is the minimum EQ needed for approval?

I have have been a member and have had their cc since Dec 2012. Hopefully I'll get a cli after this statement. Unsure if I should ask for the cli. Pay acct in full monthly.

Thanks in advance.

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If you don't have any current baddies, then go for it. I got approved (Navchek) with a FICO score of 612!

Also, I would ask for a cli on your cc. It has been six months, and you're due for one.

[jaicam5]

I had a CH 7 discharge June 2012 but have since rebuilt no lates. I received an auto CLI with both Cap One cc one from 1000 to 2500 and the other 500 to 1500 at 6 months. I'll have Barclay at 6 months in August. I'm just curious with NFCU process. I'll hate to get a hard inquiry though. I think I'll chance the Nav check.

[lissa1184]

Go for it their minimum score is 540.

[kampfer09]

I had a collection on my account and PIF but still showing of my report they still have me a CC $15k limit plus $5k limit for there NAVCHECK. As I said if you don't try you won't know.

[scarzy]

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@jaicam5 wrote:

I had a CH 7 discharge June 2012 but have since rebuilt no lates. I received an auto CLI with both Cap One cc one from 1000 to 2500 and the other 500 to 1500 at 6 months. I'll have Barclay at 6 months in August. I'm just curious with NFCU process. I'll hate to get a hard inquiry though. I think I'll chance the Nav check.

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It will be a hard pull for either, so be prepared.

[jaicam5]

I pulled the trigger last night. I couldn't do the Navcheck because I'm not primary on the account. Have to open own checking. I'll think about it since we just went into branch yesterday to open business account. I did ask for CLI received the 24-48 hour message. A rep called this morning to verify address and DOB and such. She said it is still processing. So I will wait and see.

[kampfer09]

mine still in review process.....I ask for full $15k instead of $5k approval I was hoping they will counter offer me at least for $10k. I guess I just have to wait and see what happen.

[jaicam5]

Well they started me out with $500 cc limit so I only asked for $3000 for starters. I didn't want to push it.