Reply
Frequent Contributor
MrCredit
Posts: 408
Registered: ‎11-13-2008

Navy Federal

Has any members in here had experiences with Navy Federal? I just figured out I am eligible to join.  

Do they ask for VOI? even with high credit scores?

PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012

Re: Navy Federal

[ Edited ]

They only verified my income for my Navcheck (Overdraft LOC).

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Navy Federal

Typically they don't verify income

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
Senior Contributor
score_building
Posts: 3,466
Registered: ‎01-10-2008

Re: Navy Federal

 


webhopper wrote:
Typically they don't verify income

This varies based on a variety of factors.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (WALMART)
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Navy Federal

They didn't verify my husbands for his plat. They didn't verify my cash rewards. But they verified for my truck refinance

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
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012

Re: Navy Federal

I think they only verify for loan products (navcheck, car loan, etc.)

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Contributor
armyguy90
Posts: 75
Registered: ‎10-29-2009

Re: Navy Federal

I have had an auto loan, 2 personal loans, and currently have a credit card and an additional personal loan and they've NEVER asked for VOI
Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011

Re: Navy Federal

They have never asked to verify my income, and in addition to a credit card and loc, I have also taken out a sig loan and vehicle refinance....

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Contributor
greeneman21
Posts: 83
Registered: ‎06-18-2012

Re: Navy Federal

Lol been a member for 3 days, no income verification for CC, but needed 2 paystubs and recent bank statement to approve NavCheck. Not sure if it was because of the amount or its required with all NavCheck apps.

Wallet: NFCU Flagship 27k--USAA AMEX 24k-- USAA PLATINUM VISA 12K--USAA World MC 12k-- Discover 13k-- NFCU NavCheck 12k

Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012

Re: Navy Federal

Random Question: Does anyone know the amount of a discount Geico gives to Navy Federal members?

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+