Regular Contributor
Posts: 122
Registered: ‎10-29-2012

NFCU navcheck

I'm at conditionally approved. First they wanted 2 most recent paystubs, now asking for full doc of 2011 or 2012 tax return. Did anyone had to go thru this? I feel like I'm applying for a house. Lol
Established Contributor
Posts: 540
Registered: ‎06-02-2012

Re: NFCU navcheck

never gotten that from them, just pay stubs for my RV loan..... never anything else, did something sound fishy or did you ask for max? whats your profile and or history with NFCU

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Regular Contributor
Posts: 122
Registered: ‎10-29-2012

Re: NFCU navcheck

I have checking saving and Visa card with them. I'm asking for $10,000. I hope this is it and I will get my final approval. I didn't think this complicated for a navcheck.
Valued Contributor
Posts: 1,149
Registered: ‎07-12-2012

Re: NFCU navcheck

More often than not do they ask for POI with NAVchek. Good luck! 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
691 EQ FICO 06/2014
684 TU FICO 06/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival +
Established Contributor
Posts: 610
Registered: ‎01-31-2013

Re: NFCU navcheck

[ Edited ]

Rein wrote:
I have checking saving and Visa card with them. I'm asking for $10,000. I hope this is it and I will get my final approval. I didn't think this complicated for a navcheck.

It's not uncommon.  The NAVchek is essentially like an unsecured loan, and that is how they treat it.

Regular Contributor
Posts: 223
Registered: ‎10-25-2010

Re: NFCU navcheck

How long was it from the time you applied before you were approved?

Starting Scores: 667 EQ 09/2013 | 682 TU08 01/2014 | 685 EX 03/2013(via AMEX App)
Current Scores: 667 EQ 09/2013 | 681 TU08 07/2014 | 689 EX 06/2014(via AMEX CLI)

AMEX BCE $12.3K | AMEX Zync NPSL | Cap1 Quicksilver MC $3.5K | NFCU Visa Signature cashRewards $20K
NFCU NavChek $15K | Target Visa $5K | Comenity VS $2.2K | Walmart $3.3K
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012

Re: NFCU navcheck

I was instantly approved and they didnt ask for paystubs or bank statements
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
New Member
Posts: 4
Registered: ‎02-28-2013

Re: NFCU navcheck

Mine is in the same status. They requested 2 pay stubs and a bank statement. I sent it to them and it is now having final review. This is for both Navcheck and Auto refinance.


Yesterday they approved me for $18K cash rewards siggy without any docs. I had a pre-approval offer when I logged into the account for the first time.


Established Contributor
Posts: 2,112
Registered: ‎09-25-2011

Re: NFCU navcheck

instantly approved no documents for me for $15,000 (max online) but then I pushed $15,000 on my credit card recently and paid it off in 3 weeks probably helped.

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
Posts: 391
Registered: ‎01-11-2013

Re: NFCU navcheck

Happened to me too

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13

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