Frequent Contributor
MrCredit
Posts: 408
Registered: ‎11-13-2008
Navy Federal

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, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
Re: Navy Federal
[ Edited ]

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

-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

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Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011
Re: Navy Federal
Typically they don't verify income

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Senior Contributor
score_building
Posts: 3,467
Registered: ‎01-10-2008
Re: Navy Federal

 


webhopper wrote:
Typically they don't verify income

This varies based on a variety of factors.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (WALMART)
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011
Re: Navy Federal
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: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
Re: Navy Federal

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

-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

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Contributor
armyguy90
Posts: 75
Registered: ‎10-29-2009
Re: Navy Federal
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
Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011
Re: Navy Federal

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 $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase 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
Contributor
greeneman21
Posts: 83
Registered: ‎06-18-2012
Re: Navy Federal

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 27k--USAA AMEX 24k-- USAA PLATINUM VISA 12K--USAA World MC 12k-- Discover 17.5k-- NFCU NavCheck 12k

Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
Re: Navy Federal

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