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Super Contributor
CS800
Posts: 6,550
Registered: ‎04-07-2008
0

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.




Established Contributor
kjm79
Posts: 1,008
Registered: ‎01-22-2008
0

Re: NavCheck

[ Edited ]

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".  :smileyhappy:


Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)
Current Score: (5/12) TU 699 (myFICO) TU 709 (WalMart) EQ 690 EX 686 (CC denial 7/11)
Goal Score: 720 Across the Board by Mid 2012
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Super Contributor
CS800
Posts: 6,550
Registered: ‎04-07-2008
0

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".  :smileyhappy:


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 :smileyhappy: Thanks




Established Contributor
kjm79
Posts: 1,008
Registered: ‎01-22-2008
0

Re: NavCheck

Just paying forward the myFICO knowledge! 

 

 


Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)
Current Score: (5/12) TU 699 (myFICO) TU 709 (WalMart) EQ 690 EX 686 (CC denial 7/11)
Goal Score: 720 Across the Board by Mid 2012
Take the FICO Fitness Challenge
Valued Contributor
Datx
Posts: 1,051
Registered: ‎05-20-2010
0

Re: NavCheck

Ahem...its actually called Navchek. :smileytongue:

 

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

TU: 603 – EQ: 569 – EX: N/A – May 2010

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

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! :smileyhappy:

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

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! :smileyhappy:

 


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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Super Contributor
CS800
Posts: 6,550
Registered: ‎04-07-2008
0

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! :smileyhappy:

 


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




Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

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!

Super Contributor
CS800
Posts: 6,550
Registered: ‎04-07-2008
0

Re: NavCheck

The max is $15k i think for NvChek





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