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Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Re: WOWSER!!!!! NavyFCU Is Simply the Best!!!

Maybe the direct deposit is a credit criteria that can vary, just like interest rates.  They can approve.... or approve with contingency such as direct deposit?

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Senior Contributor
Posts: 4,289
Registered: ‎05-01-2008
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Re: WOWSER!!!!! NavyFCU Is Simply the Best!!!

The more I read about them, the more I like them.  I'm going to wait on the cc until July when 3 inq's drop off my EQ.  Wanna have a clean inq history .... then I'll ask them for a mortgage refi too!  Smiley Wink


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 02/2015 TU 709 - EQ 676 - EX 729
Goal Score: 850

Bury me in the garden...last app 12.19.14

Frequent Contributor
Posts: 328
Registered: ‎09-01-2009
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Re: WOWSER!!!!! NavyFCU Is Simply the Best!!!

[ Edited ]

Maybe the direct deposit is a credit criteria that can vary, just like interest rates.  They can approve.... or approve with contingency such as direct deposit?

+2

Message Edited by Kiwill on 01-30-2010 08:02 AM

Starting Score: EQ 729, TU 752, EX ? (1/1/2011)
Current Score: EQ 696, TU 718, EX 686 - PSECU (5/17/2011)
Goal Score: ALL 800+ by December 31, 2011

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Contributor
Posts: 93
Registered: ‎03-14-2009
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Re: WOWSER!!!!! NavyFCU Is Simply the Best!!!


txjohn wrote:

Maybe the direct deposit is a credit criteria that can vary, just like interest rates.  They can approve.... or approve with contingency such as direct deposit?

 

 


 

I was approved for 5K nRewards card this month and was only required to provide last 2 paystubs along with proof of address. No mention of DD prerequisite.
New Contributor
Posts: 62
Registered: ‎12-25-2009
0

Re: WOWSER!!!!! NavyFCU Is Simply the Best!!!

I do not think that DD has any role in their lending decisions. 
Valued Contributor
Posts: 2,385
Registered: ‎09-10-2007
0

Re: WOWSER!!!!! NavyFCU Is Simply the Best!!!

I've had my cards (MC & Visa) for over a year each with no DD requirement at the time.  I don't have the option for DD since I don't get paychecks but commission checks which always vary.  Have never missed a payment, never OD my checking, etc - so they should be able to see I am financially responsible - besides I REALLY don't need any more revolving credit credit - which is what I told myself with the HSBC offer received yesterday - NOT NEEDED, thanks but no thanks.  CLIs would be a nice 'well done' but really not neded.

 

NFCU and USAA will both have shots at my new mortgage in 2 years and my car loan in 4 but other than that I am set until the day I die.

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