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Community Leader
Valued Contributor
Posts: 2,442
Registered: ‎11-29-2012
0

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)
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

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!



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Community Leader
Senior Contributor
Posts: 28,776
Registered: ‎02-07-2013
0

Re: Navy 3-5 day msg; wants documents

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

This point should be stressed more here an app spree should not be encouraged because its not for every profile
A thick file will support more apps at one time while a thin file may see negative reaction to this process

IMHO 4+ at one time is to many for a new file and it should be kept to 1-3 a year but we get caught up sometimes in seeing the little wheel spin and the words approved
Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

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.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Community Leader
Valued Contributor
Posts: 2,442
Registered: ‎11-29-2012
0

Re: Navy 3-5 day msg; wants documents

[ Edited ]

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)
Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

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

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Community Leader
Valued Contributor
Posts: 2,442
Registered: ‎11-29-2012
0

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)
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

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.
Community Leader
Senior Contributor
Posts: 3,581
Registered: ‎07-12-2012
0

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
728 EQ FICO 02/2016
729 TU FICO 02/2016
728 EX FICO 02/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.8k Cap1 Quicksilver | $10k Amazon Store | $11k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom
Community Leader
Valued Contributor
Posts: 2,442
Registered: ‎11-29-2012
0

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)

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