Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Established Contributor
madmann26
Posts: 1,027
Registered: ‎08-30-2012

Re: Thank you Navy FCU!

Options

‎10-08-2012 05:06 PM

It's worth a shot. Show proof of income and it may happen.
Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 642 EQ 658 FICO 5/13/2013 EXP 657
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $1500; NFCU Siggy $10000; $500 WalMart SC; Chase Freedom $500
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Message 11 of 21 (606 Views)
 
Reply
Regular Contributor
doc101
Posts: 120
Registered: ‎11-27-2011

Re: Thank you Navy FCU!

Options

‎10-08-2012 05:36 PM

Do you have to be in the military to join up?

Starting Score:Equifax 543
Current Score:Equifax 612 TU 512 Exp 626
Goal Score: 650

Take the myFICO Fitness Challenge
Message 12 of 21 (597 Views)
 
Reply
Established Contributor
madmann26
Posts: 1,027
Registered: ‎08-30-2012

Re: Thank you Navy FCU!

Options

‎10-08-2012 05:40 PM

No doc....if a direct family is already a member, it's super easy. If a family member is former military, them joining first is best and easiest for you.
Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 642 EQ 658 FICO 5/13/2013 EXP 657
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $1500; NFCU Siggy $10000; $500 WalMart SC; Chase Freedom $500
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Message 13 of 21 (593 Views)
 
Reply
Regular Contributor
doc101
Posts: 120
Registered: ‎11-27-2011

Re: Thank you Navy FCU!

Options

‎10-08-2012 05:42 PM

I currently have 2 family members serving in the Air Force and 2 uncles retired from the Army. This might be my cue to join up

Starting Score:Equifax 543
Current Score:Equifax 612 TU 512 Exp 626
Goal Score: 650

Take the myFICO Fitness Challenge
Message 14 of 21 (590 Views)
 
Reply
Regular Contributor
beautybrainsbooty
Posts: 206
Registered: ‎08-02-2012

Re: Thank you Navy FCU!

Options

‎10-08-2012 06:13 PM

oh if you can get in then do it! be prepared to show documentation of the relationship just in case-but it is completely 100% worth it! best of luck!

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 674 > 689 >695 with my new TLs reporting :smileywink:
TU: 661>780
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=720 across the board--currently searching for the perfect *third* card to maximize my profile and score :smileywink:
Message 15 of 21 (575 Views)
 
Reply
Valued Member
DCole3g
Posts: 41
Registered: ‎07-16-2012

Re: Thank you Navy FCU!

Options

‎10-08-2012 10:29 PM

Congrats... I applied with them a couple months ago and was denied.  My credit scores have since improved and I am considering trying again, especially after your success story.

 

Message 16 of 21 (539 Views)
 
Reply
Valued Contributor
Dustink
Posts: 2,459
Registered: ‎10-02-2012

Re: Thank you Navy FCU!

[ Edited ]
Options

‎10-08-2012 11:23 PM - edited ‎10-08-2012 11:23 PM

rm3 wrote:

Thanks to all for the congrats. Any advice anyone????

Use your card regularly and PIF every month. After 6 months give them a call for a CLI.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21     EQ: 642 TU: 677 EX: 665


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Message 17 of 21 (527 Views)
 
Reply
Regular Contributor
rm3
Posts: 164
Registered: ‎03-02-2012

Re: Thank you Navy FCU!

Options

‎10-09-2012 11:43 AM

 Would you suggest PIF before statement cuts or by the due date on the bill?

Starting Fico: 536 (3/12)--Current Fico: 647 (4/13)--TU Fico: 687 (4/13)--EX Fico: 617 (4/13)
         
Message 18 of 21 (487 Views)
 
Reply
Valued Contributor
cobra19
Posts: 1,425
Registered: ‎07-24-2007

Re: Thank you Navy FCU!

[ Edited ]
Options

‎10-09-2012 12:43 PM - edited ‎10-09-2012 12:43 PM

Use the card - sparingly. Make sure you keep the reporting balance at <$50. In 6 months, you'll get a nice big, fat increase.

New York Yankees - 2009 World Series Champions. 27... and counting.....
Message 19 of 21 (473 Views)
 
Reply
Regular Contributor
rm3
Posts: 164
Registered: ‎03-02-2012

Re: Thank you Navy FCU!

Options

‎10-11-2012 07:05 PM

I took a chance and sent a message to Navy FCU to request a CL increase on my new n-rewards visa and I just received this message:

 

Navy Federal Response 10/11/2012 : Thank you for your message. We are pleased to inform you that we have approved your increase to $2,000.00. If we can be of any further assistance, please let us know.

 

I am screaming on the inside and wish i could do a back flip right now! I love this forum and NavyFCU!!! :-)

Starting Fico: 536 (3/12)--Current Fico: 647 (4/13)--TU Fico: 687 (4/13)--EX Fico: 617 (4/13)
         
Message 20 of 21 (427 Views)
 
Reply

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.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+