Re: Yes, Navy Federal Black Lists!

blink182 · ‎08-03-2013

Apply for a Credit Card - Disapproved

Unfortunately, your request for credit has not met Navy Federal lending criteria for approval, see reason(s) below. You will receive notification by mail at your address of record within the next 5-7 normal mail delivery days which will provide an explanation for the decision. This letter will also explain the appeals process that you may initiate.

You caused Navy Federal a loss

That's the message I received after I applied. I had a home equity line go through foreclosure 10 years ago, and thought that since I had built my scores up to 700, it would be ok. Just thought I'd post this in case anyone else was wondering if they black list.

azguy13 · ‎08-03-2013

Sorry to hear that. I am not sure how recon works with a CU. I guess all you can do it ask and explain your situation.

Good luck to you

Shogun · ‎08-03-2013

NFCU is a great CU to get in with, but if you burn them, they don't forget.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

trying_to_B_good · ‎08-03-2013

well that's good to know anyway. Man i wish my dad was in the army or something i wanna be a NFCU member, bad!!!

oscar_actuary · ‎08-03-2013

that's good news for current members

FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.

BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k

Shogun · ‎08-03-2013

I'm adopting azguy13 and getting my membership that way.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

azguy13 · ‎08-03-2013

@Shogun wrote:
I'm adopting azguy13 and getting my membership that way.

Works for me. As long as he extends my curfew to 9pm on school nights.

Elcid89 · ‎08-04-2013

@Shogun wrote:
NFCU is a great CU to get in with, but if you burn them, they don't forget.

+1 They NEVER forget.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

goosedog · ‎08-04-2013

Not sure you could say they blacklisted you. Burning them for a credit card is one thing. Burning them for a mortgage? That's a tough one to overcome.

Leadberry · ‎08-04-2013

AFAIK, Navy will let you back in if and only if you pay off your outstanding debts with them.

FICO Scores 800+

Yes, Navy Federal Black Lists!

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Yes, Navy Federal Black Lists!