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

Nfcu

Navcheck-conditionally approved. Said this after I verified since I have a fraud flag. All she said was I have to sign and fill out paperwork before I can activate it.
Cash rewards- approved, no amount.

After they both went into review I sent a message explaining anything I wanted on my credit profile and why I wanted these. I hope I got what I asked for. The app screen is so vague and I didn't get a text message.

What does conditionally approved mean?
-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

Regular Contributor
bbrannan
Posts: 199
Registered: ‎12-11-2009

Re: Nfcu

Just call them and tell them that you were conditionally approved. I was "conditionally approved" too but never got any email, text message or phone call. In my case, it meant that they needed to verify income. Once they did that, they mailed me the loan papers and I signed them and faxed them back in. Withing 2 days of me faxing the signed papers back, the NavCheck showed up under my accounts. Congrats!!

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


Take the FICO Fitness Challenge
Regular Contributor
mr_postman
Posts: 179
Registered: ‎01-17-2008

Re: Nfcu

when i app for my sig loan it was also conditionaly approve just call it 's a simple verification for phone;add;social;name; it took 2 mins and the funds was in my account.

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

Re: Nfcu

They only gave me 1/2 what I asked for on the navcheck (2.5k) and gave me 3k on the cc. I have to go to the branch or fax in my last 2 paychecks. Do you think after that I have a chance of asking for the 5k again? They said it was due to my debt to income which must mean they factored in school loans bc my cc debt is under 4% on my credit report.
-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

Regular Contributor
mr_postman
Posts: 179
Registered: ‎01-17-2008

Re: Nfcu

I would not push it bro just let it be its a start it will grow give it time get that score up im sure it will double in 6 months.

Established Contributor
swpopham
Posts: 539
Registered: ‎06-02-2012

Re: Nfcu

I agree. Quit pushing navy is temperamental and will take care of you if your patient
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Nfcu

How you apply for this navcheck? I opened a checkin account with them when i joined...is this like a overdraft credit line?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012

Re: Nfcu

Yeah I wouldn't push it.  Your scores are really low.  Only NFCU would be giving you any kind of CL not in toy limit range.

               LIMITS IN CARD DESCRIPTIONS
Regular Contributor
mr_postman
Posts: 179
Registered: ‎01-17-2008

Re: Nfcu

Jordan lots of good advice coming from the board look at the signature Navyfed it's always up ther with  high limits.

 

someday i will have the same signature like Crashem:smileyvery-happy:

Regular Contributor
bbrannan
Posts: 199
Registered: ‎12-11-2009

Re: Nfcu


mr_postman wrote:

Jordan lots of good advice coming from the board look at the signature Navyfed it's always up ther with  high limits.

 

someday i will have the same signature like Crashem:smileyvery-happy:


That is an awesome goal...unfortunately I don't really see myself being able to get a Palladium with that kind of limit. Oh, to dream tho...

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


Take the FICO Fitness Challenge

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
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+