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Navy 3-5 day msg; wants documents

Valued Contributor

Re: Navy 3-5 day msg; wants documents

Dangit, they pulled EQ twice and TU once!!!  What the heck?!  Once they've made a decision I'm going to ask them to remove at least one of the EQs.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 11 of 39
Moderator Emeritus

Re: Navy 3-5 day msg; wants documents

When did you join?  One of the EQs could be for membership...

 

They are extremely pull happy, but definately worth 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!



Take the myFICO Fitness Challenge
Message 12 of 39
Super Contributor

Re: Navy 3-5 day msg; wants documents

I think your in they just needed address verification...fingers crossed for you

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 13 of 39
Valued Contributor

Re: Navy 3-5 day msg; wants documents


starry1 wrote:

Dangit, they pulled EQ twice and TU once!!!  What the heck?!  Once they've made a decision I'm going to ask them to remove at least one of the EQs.


Yeah they HP like crazy, and did you also apply for anything else while joining? They will pull again regardless if its the same day or next day, etc.

 

When I joined they pulled TU, and then I app'd the next day or so and they pulled TU again as well as EQ. Good luck on getting a inq removed but doubt it happens.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 14 of 39
Valued Contributor

Re: Navy 3-5 day msg; wants documents

I joined last month and I already have an HP for that.  So for joining and one little cc app I have 4 HPs from Navy.  I mean I know they're pull happy but does EVERYONE who works for them have to pull a separate report?  Sheesh.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 15 of 39
Valued Contributor

Re: Navy 3-5 day msg; wants documents


starry1 wrote:

I joined last month and I already have an HP for that.  So for joining and one little cc app I have 4 HPs from Navy.  I mean I know they're pull happy but does EVERYONE who works for them have to pull a separate report?  Sheesh.


only when you apply for stuff

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 16 of 39
Valued Contributor

Re: Navy 3-5 day msg; wants documents

I was just thinking it probably makes sense.  My reports are ridiculously clean since I started cleaning it up well before I was discharged, I have zero collections reporting, just the bk, a satisfied judgment, and one chareoff in the ngative and some car loans in the positive.  I'm thinking they are probably trying to see what caused my bk by pulling both EQ and TU for the app.  I probably would too in their position.  But that second EQ pull is too much.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 17 of 39
Moderator Emerita

Re: Navy 3-5 day msg; wants documents

HP's are a pain but if the end result is a cc with a lender like Navy...I'd take the Hp any day.
Message 18 of 39
Community Leader
Senior Contributor

Re: Navy 3-5 day msg; wants documents

I knew you wouldn't last long! Good luck, even if its $500 you have to be happy!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 19 of 39
Valued Contributor

Re: Navy 3-5 day msg; wants documents

So I went over this evening and showed them all my paperwork.  Wish me luck!


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 20 of 39