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NavCheck

Super Contributor

NavCheck

Hello fellow NFCU member.

 

How is NavCheck reported on the credit reports? I just got approved for a NavCheck and curious to know how it reports.




Message 1 of 12
11 REPLIES
Valued Contributor

Re: NavCheck

DH and were both recently approved as well.  First CONGRATS!  It hasn't showed up on our reports yet but I asked the same question here before apping, it reports as a revolcing tradeline was the answer I was given. 

 

ETA:  That would be a REVOLVING tradeline.  Not "revolcing".  Smiley Happy


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 2 of 12
Super Contributor

Re: NavCheck


kjm79 wrote:

DH and were both recently approved as well.  First CONGRATS!  It hasn't showed up on our reports yet but I asked the same question here before apping, it reports as a revolcing tradeline was the answer I was given. 

 

ETA:  That would be a REVOLVING tradeline.  Not "revolcing".  Smiley Happy


Good to know it shows like a credit card.

 

I heard a lot about it so I went for it and was approved, then I asked the question hmmm how is this going to report. Glad I got the answer Smiley Happy Thanks




Message 3 of 12
Valued Contributor

Re: NavCheck

Just paying forward the myFICO knowledge! 

 

 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 4 of 12
Valued Contributor

Re: NavCheck

Ahem...its actually called Navchek. Smiley Tongue

 

And yes, it does report as a revolving tradeline. Works wonder if you have high util. Congrats!

CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Message 5 of 12
Senior Contributor

Re: NavCheck

Don't mean to threadjack -- just wondering, when you app for NavChek, do you request a CL or do they just let you know what you were approved for? Are the CLs pretty much the same amounts as the CC CLs? Like, are you likely to get about the same CL for NavChek that you got for a CC w/them?

 

Nav Chek is only used as overdraft protection, right?

 

Thanks! Smiley Happy

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 6 of 12
Moderator Emeritus

Re: NavCheck


bichonmom wrote:

Don't mean to threadjack -- just wondering, when you app for NavChek, do you request a CL or do they just let you know what you were approved for? Are the CLs pretty much the same amounts as the CC CLs? Like, are you likely to get about the same CL for NavChek that you got for a CC w/them?

 

Nav Chek is only used as overdraft protection, right?

 

Thanks! Smiley Happy

 


I heard it was a Line Of Credit that you could write checks off of seperately from your checking account, you just have to request a checkbook for it.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Message 7 of 12
Super Contributor

Re: NavCheck


bichonmom wrote:

Don't mean to threadjack -- just wondering, when you app for NavChek, do you request a CL or do they just let you know what you were approved for? Are the CLs pretty much the same amounts as the CC CLs? Like, are you likely to get about the same CL for NavChek that you got for a CC w/them?

 

Nav Chek is only used as overdraft protection, right?

 

Thanks! Smiley Happy

 


When i went for the NavChek, I didn't ask for an amount, they just gave me what they wanted practically.




Message 8 of 12
Senior Contributor

Re: NavCheck

Thanks!
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 9 of 12
Super Contributor

Re: NavCheck

The max is $15k i think for NvChek




Message 10 of 12