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Member
prettydimples
Posts: 8
Registered: ‎06-05-2013

Navy Federal Credit Union

I have some recent 30 day lates due to applying for a loan modification during my divorce. I was wondering has Navy FCU approved anyone with recent 30 or 60 day lates? My scores range from 650 to 702.

Member
tylerrrr-27
Posts: 26
Registered: ‎07-27-2012

Re: Navy Federal Credit Union

Navy Fed is very forgiving from what I have read. I say go for it.

Scores- 724 TU Fico (Walmart TU), 737 EX Fico (Amex Pull), ? EQ
Goal = 750's across the board

Cards- $12.5k cashRewards, $2000 IT, $6000 BCE, $2300 Walmart Discover, $1200 Freedom
Member
annalog
Posts: 46
Registered: ‎05-04-2011

Re: Navy Federal Credit Union

I'm a Navy Veteran and they won't re-open my account.  You have to be active duty or retired.  How retarded.  They lose.

EX=800, EQ=814, TU=946
Member
prettydimples
Posts: 8
Registered: ‎06-05-2013

Re: Navy Federal Credit Union

Thanks
Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010

Re: Navy Federal Credit Union

love Navy. got in from a friend of a friend a few years ago
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Senior Contributor
fishbjc
Posts: 3,321
Registered: ‎11-30-2007

Re: Navy Federal Credit Union

Please don't use the 'R' word, it's extremely derogatory and doesn't help anything.

Senior Contributor
fishbjc
Posts: 3,321
Registered: ‎11-30-2007

Re: Navy Federal Credit Union

prettydimples:  It's a YMMV type of thing.  How recent is recent?  If it's inside of one year, I would say don't waste an inquiry (unless you can really afford them). 

 

 

Member
prettydimples
Posts: 8
Registered: ‎06-05-2013

Re: Navy Federal Credit Union

fishbjc it is definitely under one year. I had a friend who just got approved for $10,000 and he has collections and a low score. I don't have many inquiries on my credit report.

 

Established Contributor
ktl72455
Posts: 826
Registered: ‎12-09-2012

Re: Navy Federal Credit Union

You could try it and worse case if denied due to recent lates, is call and explain the lates. You have a good reason. Its not like your getting divorced every month.

NFCU is really amazing :-)

 

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)
Member
prettydimples
Posts: 8
Registered: ‎06-05-2013

Re: Navy Federal Credit Union

Thanks ktl72455! I think it's worth a try. I am going to apply next week. I will update with the decision.


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