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NavCheck didn't move my score one point?

Established Contributor

NavCheck didn't move my score one point?

NavCheck $10K line finally reported on EQ, but my score didn't budge.  I would have thought the change in UTIL would have been worth at least a few points???

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Message 1 of 7
6 REPLIES
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Regular Contributor

Re: NavCheck didn't move my score one point?

Sorry dumb question alert... What is Navcheck? I have navy federal credit union but don't see the product listed. 

Message 2 of 7
Frequent Contributor

Re: NavCheck didn't move my score one point?

It is an overdraft line of credit that you can open that reports to the CRA as revolving credit. You have the option of being issued checks that you can write against the account as well (IIRC). It should be under account services when you log in. You can get up to $15,000.

 

OP: No idea. You might get a couple negative points as well for opening a new account, depending on your credit report. I know I just lost a few points for opening some new cards, but expect that it will bounce back.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 3 of 7
Valued Contributor

Re: NavCheck didn't move my score one point?

FYI, it's technically called NAVchek. Smiley Happy

Message 4 of 7
Regular Contributor

Re: NavCheck didn't move my score one point?

any idea what the apr ranges are on this--couldn't find on web site-txs

Navy Siggy Cash Rewards 25K , Navy plat visa 25k,navy go 25k, Navy Check 15K, , USAA Am Exp 18K, USAA MC Rate Advantage 18K, Discover IT 18.5K, PayPal Extras MC 7.5K, Chase Military Star MC 2.5K, Military Star 8.05k, Wallmart discover 7.5k, Amex bce 25k,Boa cash rewards25k, southwest chase 4k, nasa cr 30k,nasa rew 5k,barc rewards 25k=279k+ scores 750 across the board
Message 5 of 7
Valued Contributor

Re: NavCheck didn't move my score one point?


coachmiff wrote:

any idea what the apr ranges are on this--couldn't find on web site-txs


I couldn't find any info on their website with regards to how high the APR goes up to, but it starts off at 13.9% APR.

 

https://www.navyfederal.org/products-services/checking-savings/overdraft-line-of-credit.php

 

Current interest rate is as low as 13.9% APR.**

 

**Rates are based on an evaluation of credit history, so your rate may differ.

Message 6 of 7
Regular Contributor

Re: NavCheck didn't move my score one point?

txs--I am going to apply for the whole 15k--worst they can do is counter?

Navy Siggy Cash Rewards 25K , Navy plat visa 25k,navy go 25k, Navy Check 15K, , USAA Am Exp 18K, USAA MC Rate Advantage 18K, Discover IT 18.5K, PayPal Extras MC 7.5K, Chase Military Star MC 2.5K, Military Star 8.05k, Wallmart discover 7.5k, Amex bce 25k,Boa cash rewards25k, southwest chase 4k, nasa cr 30k,nasa rew 5k,barc rewards 25k=279k+ scores 750 across the board
Message 7 of 7