topic Re: Joining Navy Federal in Credit Card Applications

Joining Navy Federal

Harvey26 — Wed, 27 Jul 2016 18:30:21 GMT

I know they due hard pulls for the memebership applications but I recently put a freeze on my CRAs so I am not sure if I can till do the membership.

Re: Joining Navy Federal

baller4life — Wed, 27 Jul 2016 19:58:14 GMT

You will need to unfreeze TU to join.

Re: Joining Navy Federal

CreditMagic7 — Wed, 27 Jul 2016 21:32:58 GMT

MUST! unfreeze so they can pull your credit file.

No other way around it.

Re: Joining Navy Federal

credit_endurance — Wed, 27 Jul 2016 22:00:23 GMT

@baller4life wrote:
You will need to unfreeze TU to join.

So it's a defenite TU pull for membership? How about their other apps?

Re: Joining Navy Federal

baller4life — Wed, 27 Jul 2016 22:09:33 GMT

USUALLY EQ for products. There have been reports of TU pulls for cards. EQ definitely for loans and CLOC.

Re: Joining Navy Federal

credit_endurance — Wed, 27 Jul 2016 22:21:05 GMT

@baller4life wrote:
USUALLY EQ for products. There have been reports of TU pulls for cards. EQ definitely for loans and CLOC.

My EQ is currently sittlng around the 675-685 area do you think it woud be worth it to take the hard pull?

Re: Joining Navy Federal

baller4life — Wed, 27 Jul 2016 22:38:02 GMT

@credit_endurance wrote:
@baller4life wrote:
USUALLY EQ for products. There have been reports of TU pulls for cards. EQ definitely for loans and CLOC.
My EQ is currently sittlng around the 675-685 area do you think it woud be worth it to take the hard pull?

Absolutely!!! Put it to you like this. I was approved for $3k with a 590ish score. And received the rest of my almost $60k in NFCU credit with scores less than what you have now. 😎

I 💜 Navy Federal!

Re: Joining Navy Federal

credit_endurance — Wed, 27 Jul 2016 22:43:16 GMT

@baller4life wrote:
@credit_endurance wrote:
@baller4life wrote:
USUALLY EQ for products. There have been reports of TU pulls for cards. EQ definitely for loans and CLOC.
My EQ is currently sittlng around the 675-685 area do you think it woud be worth it to take the hard pull?
Absolutely!!! Put it to you like this. I was approved for $3k with a 590ish score. And received the rest of my almost $60k in NFCU credit with scores less than what you have now. 😎
I 💜 Navy Federal!

Very encourging indeed. I will apply for them very soon and keep you updated in the NFCU data points thread. This round of apps will certainly send me off to the gardens then.. Thanks again baller4life!

Re: Joining Navy Federal

Anonymous — Thu, 28 Jul 2016 02:03:03 GMT

Hey Baller

I am new to Navy Fed. I currently have a 5k cloc with a balance of 1,600. A Go rewards cc for 2,600 with a balance of 1,500. What is my next best move with them to increase my CL. I want 60k in credit with Navy fed too...lol...Thanks

Re: Joining Navy Federal

baller4life — Thu, 28 Jul 2016 02:15:56 GMT

@Anonymous wrote:
Hey Baller

I am new to Navy Fed. I currently have a 5k cloc with a balance of 1,600. A Go rewards cc for 2,600 with a balance of 1,500. What is my next best move with them to increase my CL. I want 60k in credit with Navy fed too...lol...Thanks

Wait till after your 3rd statements on both accounts (and after an AR aka Account Review soft pull on EQ) to request a cli. Always request $25k cli on cc and $15k on CLOC. If you don't have access to your soft pulls on EQ to see NFCU AR, the peeps on the forum will make it known one has been done. If cli is instant it was a sp. If you receive 3 to 5 day message it will be a hp.

Last AR was 6/28. They are every 2 months.

Re: Joining Navy Federal

Anonymous — Thu, 28 Jul 2016 02:18:15 GMT

Cool....Thanks. I will wait until for the 3rd statement and request a CLI. I will also pay down my other cc so that i will look more appealing.

Re: Joining Navy Federal

toi34 — Thu, 28 Jul 2016 07:27:55 GMT

@baller4life wrote:
@Anonymous wrote:
Hey Baller

I am new to Navy Fed. I currently have a 5k cloc with a balance of 1,600. A Go rewards cc for 2,600 with a balance of 1,500. What is my next best move with them to increase my CL. I want 60k in credit with Navy fed too...lol...Thanks
Wait till after your 3rd statements on both accounts (and after an AR aka Account Review soft pull on EQ) to request a cli. Always request $25k cli on cc and $15k on CLOC. If you don't have access to your soft pulls on EQ to see NFCU AR, the peeps on the forum will make it known one has been done. If cli is instant it was a sp. If you receive 3 to 5 day message it will be a hp.

Last AR was 6/28. They are every 2 months.

Dang....LOL! Baller you got it down to a science!!!

Re: Joining Navy Federal

Anonymous — Thu, 28 Jul 2016 13:23:41 GMT

@baller4life wrote:
@credit_endurance wrote:
@baller4life wrote:
USUALLY EQ for products. There have been reports of TU pulls for cards. EQ definitely for loans and CLOC.
My EQ is currently sittlng around the 675-685 area do you think it woud be worth it to take the hard pull?
Absolutely!!! Put it to you like this. I was approved for $3k with a 590ish score. And received the rest of my almost $60k in NFCU credit with scores less than what you have now. 😎
I 💜 Navy Federal!

I have been considering joining NFCU. Just out of curiosity, what was the $3k that you were approved for? Was it a CLOC? Credit Card? Just trying to heighten my chances of success. Thanks!

Re: Joining Navy Federal

baller4life — Thu, 28 Jul 2016 13:28:28 GMT

Cashrewards card. Started at $3k sp cli to $10k. Then another sp to $17.5k. I will be requesting another cli to take it to $25k. I also have $25k Platinum MC and $15k CLOC.

Re: Joining Navy Federal

Anonymous — Thu, 28 Jul 2016 13:31:35 GMT

@baller4life wrote:
Cashrewards card. Started at $3k sp cli to $10k. Then another sp to $17.5k. I will be requesting another cli to take it to $25k. I also have $25k Platinum MC and $15k CLOC.

Thanks for the info!