Established Member
knj601
Posts: 42
Registered: ‎02-25-2009
NAVchek Conditional Approval
My fiance just joined NFCU on Thursday, so today I decided to join via him as a household member. We took the plunge as joint applicants and got conditionally approved for 5k navcheck. They just want his last few paystubs and a bank statment (not hard to provide at all)!!! Sooo glad I learned about NFCU. I already love them and want to switch all of our banking to them.


Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Regular Contributor
bbrannan
Posts: 199
Registered: ‎12-11-2009
Re: NAVchek Conditional Approval

Congrats! And welcome to the NFCU family! They are an awesome CU and I think you will love them!

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


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Established Member
knj601
Posts: 42
Registered: ‎02-25-2009
Re: NAVchek Conditional Approval
Our approval was finalized!! Yay!!


Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
New Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012
Re: NAVchek Conditional Approval
[ Edited ]

knj601 wrote:
Our approval was finalized!! Yay!!

Congrats, and I told you so :smileytongue:

 

With NFCU, conditionally approved usually (not always) means "we're inclined to approve, but we need some more info to verify that all is as advertised."

 

As we discussed earlier, they tend to hard pull on everything, so if you intend to pursue other products with them (loans, credit card) IMO it's a good idea to apply for them at the same time / close to one another, so the inquiries all hit at the same time and age together. YMMV though.

 

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

Established Member
knj601
Posts: 42
Registered: ‎02-25-2009
Re: NAVchek Conditional Approval
You sure were right!! I am glad to say "you told me so"! We are debating a credit card, so if we do it, we will do it soon. Thanks for everything!!


Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
New Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012
Re: NAVchek Conditional Approval

knj601 wrote:
You sure were right!! I am glad to say "you told me so"! We are debating a credit card, so if we do it, we will do it soon. Thanks for everything!!

Anytime. If you have existing cards with other lenders, they offer no fee balance transfers as well, which is a heck of a benefit in itself.

 

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