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Frequent Contributor
MrCredit
Posts: 349
Registered: ‎11-13-2008

Navy Federal

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‎08-22-2012 04:56 PM

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, PSECU LOC $20,000, BOA Amex $18,500, Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Sears MasterCard $5,000, Citi Diamond Preferred MC $8,300 USAA MC $9,800, Chase Slate $9,000 Lowes $10,000, Chase Sapphire Preferred $10,000, Amazon CC $2,500, Kohls Charge $1,000, Amex Gold PR,

Recently Cut Discover and HSBC loose due to low limits.
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Established Contributor
jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: Navy Federal

[ Edited ]
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‎08-22-2012 05:06 PM - edited ‎08-22-2012 05:35 PM

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

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
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

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webhopper
Posts: 6,752
Registered: ‎09-16-2011

Re: Navy Federal

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‎08-22-2012 05:18 PM

Typically they don't verify income
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
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Senior Contributor
score_building
Posts: 3,293
Registered: ‎01-10-2008

Re: Navy Federal

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‎08-22-2012 05:50 PM

 

webhopper wrote:
Typically they don't verify income

This varies based on a variety of factors.

12/12 FICOS:
EX 749 (PSECU) EQ 755 (DCU) TU 777 (WALMART)
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webhopper
Posts: 6,752
Registered: ‎09-16-2011

Re: Navy Federal

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‎08-22-2012 06:50 PM

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 (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
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Established Contributor
jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: Navy Federal

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‎08-22-2012 07:27 PM

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

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
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

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New Contributor
armyguy90
Posts: 70
Registered: ‎10-29-2009

Re: Navy Federal

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‎08-23-2012 07:03 PM

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
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Established Contributor
searchingfor67
Posts: 614
Registered: ‎08-02-2011

Re: Navy Federal

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‎08-23-2012 07:12 PM

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 $17K | Amex Costco TE $10.4K | Amex SPG $6.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi Dividend World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan 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
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Contributor
greeneman21
Posts: 80
Registered: ‎06-18-2012

Re: Navy Federal

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‎08-23-2012 07:13 PM

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 25k--USAA AMEX 17.5k-- USAA VISA 12K--USAA World MC 12k-- Discover 11k--PenFed Plat 10k--- NFCU NavCheck 12k

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

Re: Navy Federal

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‎10-08-2012 09:36 AM

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
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