cancel
Showing results for 
Search instead for 
Did you mean: 

Navy Federal Uses Own Internal Score To Approve Credit?????

Regular Contributor

Re: Navy Federal Uses Own Internal Score To Approve Credit?????

@MILoFico. No my secured nrewards is not unsecured! Don't kmow what's up with that? Have always kept it low. Pay in full or almost most of the times. And have never been late. Actually ran almost $18,000 thru it in 5 months. Navy doesn't like me much. Lol. And my score has improved and lots of baddies have dropped off.

Message 11 of 47
Established Contributor

Re: Navy Federal Uses Own Internal Score To Approve Credit?????


wantmoremoney wrote:

@MILoFico. No my secured nrewards is not unsecured! Don't kmow what's up with that? Have always kept it low. Pay in full or almost most of the times. And have never been late. Actually ran almost $18,000 thru it in 5 months. Navy doesn't like me much. Lol. And my score has improved and lots of baddies have dropped off.


Strange...have you made request to have it unsecured???

wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 12 of 47
Regular Contributor

Re: Navy Federal Uses Own Internal Score To Approve Credit?????

No I haven't made a request to have it unsecured. I thought it was an automatic thing they did when they were ready.

Message 13 of 47
Established Contributor

Re: Navy Federal Uses Own Internal Score To Approve Credit?????

Yea...they will? But after 14mo. You may wanna nudge them in the rite direction😃 I believe it's a HP on EQ how's your EQ CR???
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 14 of 47
Community Leader
Senior Contributor

Re: Navy Federal Uses Own Internal Score To Approve Credit?????


MILOfico wrote:
Yea...they will? But after 14mo. You may wanna nudge them in the rite direction😃 I believe it's a HP on EQ how's your EQ CR???

Unless something has changed you can't request for the card to be unsecured.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 15 of 47
Community Leader
Senior Contributor

Re: Navy Federal Uses Own Internal Score To Approve Credit?????


wantmoremoney wrote:

@MILoFico. No my secured nrewards is not unsecured! Don't kmow what's up with that? Have always kept it low. Pay in full or almost most of the times. And have never been late. Actually ran almost $18,000 thru it in 5 months. Navy doesn't like me much. Lol. And my score has improved and lots of baddies have dropped off.


By any chance have you ever added more money to the card other than the initial deposit?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 16 of 47
Established Contributor

Re: Navy Federal Uses Own Internal Score To Approve Credit?????

@scupra@

Thought after 13mo. You can request review...he may be able to SM them,NO😶?
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 17 of 47
Community Leader
Senior Contributor

Re: Navy Federal Uses Own Internal Score To Approve Credit?????


MILOfico wrote:
@scupra@

Thought after 13mo. You can request review...he may be able to SM them,NO😶?

The review happens at month 13. Im sure he/she could send a SM, probably get told to just wait though. Worth a shot!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 18 of 47
Established Contributor

Re: Navy Federal Uses Own Internal Score To Approve Credit?????

Gd point,it does auto check your EQ. at 13mo.

@wantmoremoney after at MO.15 check if sav. Has funds released; if not then (I) would call or SM
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 19 of 47
Super Contributor

Re: Navy Federal Uses Own Internal Score To Approve Credit?????


ddemari wrote:
My score was pretty low, I think it was like 286. But I still got 23,300.00 at 13.9%.

My score was 288 but i only got $4K Smiley Frustrated

 

Apr is 17% Blahhh but i got the time to work on getting some improvement maybe.

 

Just tickled pink to even get in with them at all. The goodies can wait for later.

Message 20 of 47