Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
Re: What to do....what to do???

Here's the thing: NavFed is really generous with its limits so they aren't really useful in judging creditworthiness. Please don't take that the wrong way but I've read tons of posts here where they gave people $5-6K limits where normal lenders would only trust them with secured.

 

Personally, I'd close any AF cards and garden for a year or more. From what we've read here, some lenders dislike re-builder credit card companies like Merrick. The good payment history will remain on record 10 years. Since they were only opened a few months apart the AOAA probably won't be affected too much.


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