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jeffrey_MBP
Posts: 50
Registered: ‎11-05-2012
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Navy Federal Credit Union (NFCU) and Discover

[ Edited ]

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

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
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Re: Navy Federal Credit Union (NFCU) and Discover

Congrats on your Navy approval

Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
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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

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jeffrey_MBP
Posts: 50
Registered: ‎11-05-2012
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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.

New Contributor
jeffrey_MBP
Posts: 50
Registered: ‎11-05-2012
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Re: Navy Federal Credit Union (NFCU) and Discover

It was the nRewards card.

Valued Contributor
MsLadyRover
Posts: 2,829
Registered: ‎03-14-2012
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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!)

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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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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. :smileyhappy:


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+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
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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

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jeffrey_MBP
Posts: 50
Registered: ‎11-05-2012
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Re: Navy Federal Credit Union (NFCU) and Discover

I applied last year once or twice and was denied. Both pulls were from Equifax.
Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Navy Federal Credit Union (NFCU) and Discover

[ Edited ]

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

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