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Navy Federal Credit Union (NFCU) and Discover

Contributor

Navy Federal Credit Union (NFCU) and Discover

I've been watching these boards quite often, so I thought I'd contribute.  My score from credit karma was around 620, but I've been decreasing my debt-to-income ratio and available debt ratio (just moved below 50%). Just applied for Discover (Equifax hard pull (HP)) and Navy Fed (Equifax hard pull (HP)).  Discover wanted a joint appicant and Navy Federal approved 7K (wow).

 

Regards!

 

Jeffrey

Message 1 of 11
10 REPLIES
Established Contributor

Re: Navy Federal Credit Union (NFCU) and Discover

Congrats on your Navy approval

Message 2 of 11
Valued Contributor

Re: Navy Federal Credit Union (NFCU) and Discover

Grats on NFCU. I'm hoping for a great starting CL when I app.

Which NFCU card did you apply for?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 3 of 11
Contributor

Re: Navy Federal Credit Union (NFCU) and Discover

I appreciate it. Reading these boards pushed me to apply because I heard that NFCU has been fairly generous on their new accounts.  I think for those of us who have had troubled credit in the past (i.e. bankruptcy from 2002), this is a god send. I won't ever mess with my credit or put it in danger again.

Message 4 of 11
Contributor

Re: Navy Federal Credit Union (NFCU) and Discover

It was the nRewards card.

Message 5 of 11
Valued Contributor

Re: Navy Federal Credit Union (NFCU) and Discover

Congrats on your NFCU approval!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 6 of 11
Moderator Emeritus

Re: Navy Federal Credit Union (NFCU) and Discover

Congrats on your NFCU.  There's a forum's pool going around to see what Duncanrr gets. Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 11
Valued Contributor

Re: Navy Federal Credit Union (NFCU) and Discover

Im pretty sure they will not pull TU for my application but Ive waited so long to apply for it, I have to wait for updated UTIL to post.

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 8 of 11
Contributor

Re: Navy Federal Credit Union (NFCU) and Discover

I applied last year once or twice and was denied. Both pulls were from Equifax.
Message 9 of 11
Valued Contributor

Re: Navy Federal Credit Union (NFCU) and Discover


jeffrey_MBP wrote:
I applied last year once or twice and was denied. Both pulls were from Equifax.

 

What was your scores at the time and what card did you apply for?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 10 of 11