Valued Contributor
madmann26
Posts: 1,453
Registered: ‎08-30-2012
Re: Thank you Navy FCU!
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 712|EQ 690|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Regular Contributor
doc101
Posts: 189
Registered: ‎11-27-2011
Re: Thank you Navy FCU!

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


Starting Score:Equifax 543
Current Score:EQ665 TU 663 EXP625 updated 12/6/2014
Goal Score: 650


Take the myFICO Fitness Challenge
Valued Contributor
madmann26
Posts: 1,453
Registered: ‎08-30-2012
Re: Thank you Navy FCU!
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 712|EQ 690|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Regular Contributor
doc101
Posts: 189
Registered: ‎11-27-2011
Re: Thank you Navy FCU!

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:EQ665 TU 663 EXP625 updated 12/6/2014
Goal Score: 650


Take the myFICO Fitness Challenge
Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012
Re: Thank you Navy FCU!

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: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
New Contributor
DCole3g
Posts: 72
Registered: ‎07-16-2012
Re: Thank you Navy FCU!

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.

 

Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
Re: Thank you Navy FCU!
[ Edited ]

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:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Regular Contributor
rm3
Posts: 198
Registered: ‎03-02-2012
Re: Thank you Navy FCU!

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

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Valued Contributor
cobra19
Posts: 1,424
Registered: ‎07-24-2007
Re: Thank you Navy FCU!
[ Edited ]

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.....
Regular Contributor
rm3
Posts: 198
Registered: ‎03-02-2012
Re: Thank you Navy FCU!

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 EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13