Reply
Community Leader
Valued Contributor
Posts: 2,400
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 Goal Score:
 625 for now– 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!



Take the myFICO Fitness Challenge
Community Leader
Senior Contributor
Posts: 26,723
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

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Valued Contributor
Posts: 1,922
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: 2,400
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 Goal Score:
 625 for now– 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: 1,922
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: 2,400
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 Goal Score:
 625 for now– 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: 27,205
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.
Valued Contributor
Posts: 1,978
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
704 EQ FICO 03/2015
718 TU FICO 03/2015
679 EX FICO 03/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Community Leader
Valued Contributor
Posts: 2,400
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 Goal Score:
 625 for now– 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)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.