topic Re: nfcu cards in Credit Cards

nfcu cards

justanotherquestion — Mon, 11 Jul 2016 18:16:44 GMT

after 3 weeks, yes 3 weeks or calls and emailing more and more supporting documentation i have finally gotten in thru the navy league, what a long damn process.

anyway, any idea what scores are needed for their credit cards and auto refi?

Re: nfcu cards

Anonymous — Mon, 11 Jul 2016 18:30:47 GMT

@justanotherquestion wrote:
after 3 weeks, yes 3 weeks or calls and emailing more and more supporting documentation i have finally gotten in thru the navy league, what a long damn process.

anyway, any idea what scores are needed for their credit cards and auto refi?

Congratulations On Your Approval....Thanks For Sharing..

Re: nfcu cards

justanotherquestion — Mon, 11 Jul 2016 18:50:52 GMT

thank you!!! what a process, geez

Re: nfcu cards

Anonymous — Mon, 11 Jul 2016 19:15:40 GMT

Well done! Congratulations!

Re: nfcu cards

justanotherquestion — Mon, 11 Jul 2016 19:24:45 GMT

thank you.

anyone know scores needed for the credit cards and auto refi, the auto refi is the big one i am looking to get done asap.

Re: nfcu cards

fltireguy — Tue, 12 Jul 2016 02:43:29 GMT

I can answer for the auto refinance. I had a 665 TU, an old BK showing (that was 2 weeks ago, BK is EE as of yesterday). 6 year old Chargeoff, and 28 month old chargeoff showing. Refinanced my Accord, $26000 balance, was originally 13.85% thru Ally, approved within 45 minutes at 4.79% on a 60 month! I could have fallen out of my seat!! Hope that helps

@justanotherquestion wrote:
thank you.

anyone know scores needed for the credit cards and auto refi, the auto refi is the big one i am looking to get done asap.

Re: nfcu cards

Anonymous — Tue, 12 Jul 2016 02:57:05 GMT

@justanotherquestion wrote:
after 3 weeks, yes 3 weeks or calls and emailing more and more supporting documentation i have finally gotten in thru the navy league, what a long damn process.

anyway, any idea what scores are needed for their credit cards and auto refi?

I was approved for the Cash rewards visa at the lowest APR and for 11.8k. Approval was instant, my Fico was ~680 I believe. I had a forclosure 5 years ago, my Income is roughly 45k, my Util was ~1%. It felt like an amazing approval. I am currently having issues with NAVY in general, but it seems my situation is somewhat uncommon.

Re: nfcu cards

CreditMagic7 — Tue, 12 Jul 2016 04:39:04 GMT

It's all good now that the entry process completed for you.

Nice effort and patience.

Re: nfcu cards

Vegas4Play — Tue, 12 Jul 2016 05:35:16 GMT

Congrats on your approval....I have seen approvals all over the place, I would do a search for threads on the topic itself to see what you come across in comparison to your own profile.

Re: nfcu cards

justanotherquestion — Tue, 12 Jul 2016 14:01:45 GMT

thanks all.

i know the cct scores are

experian 610

trans 590 --- multiple items in dispute

equifax 600 mulptiple items in dispute

creditkarma has:

trans 575

equifax 640

not sure if its worth apping for a auto refi, cc and navheck?

Re: nfcu cards

justanotherquestion — Tue, 12 Jul 2016 20:07:56 GMT

Re: nfcu cards

RonM21 — Wed, 13 Jul 2016 09:38:41 GMT

Congrats, but don't know why it took so long.

Re: nfcu cards

justanotherquestion — Wed, 13 Jul 2016 12:15:58 GMT

thank you!

definitely had to do with the navy league being my way in the door, san diego chapter, and living in florida. but finally in. hope its worth it.

with the scores i listed, any chance of getting approved for their cards/navcheck/auto refi?

Re: nfcu cards

justanotherquestion — Wed, 13 Jul 2016 16:32:37 GMT

oh well, denied for everything.

least i am in the door i guess

Re: nfcu cards

justanotherquestion — Wed, 13 Jul 2016 17:53:26 GMT

they did hp's on transunion for everything, i asked for them to pull equifax and was told no. do they only pull transunion in florida?

Re: nfcu cards

morgacj2004 — Wed, 13 Jul 2016 18:01:35 GMT

Be sure to check out "CREDIT ADDICTs" two threads under Types of Credit-Application page

1. Official NFCU CLI Guide

2. NFCU Updated CLI and 2nd acct

There is a lot of good info there. I would urge you to call them and Recon although honeslty your scores may be too low for any of the current credit products. I do believe they offer a secured product that might apply to your situation. Check out the threads.

Re: nfcu cards

rubicon — Mon, 18 Jul 2016 04:15:47 GMT

did you app for nrewards secured??

Re: nfcu cards

Anonymous — Mon, 18 Jul 2016 05:21:20 GMT

@justanotherquestion wrote:
oh well, denied for everything.

least i am in the door i guess

Hi! I just got in with Navy Fed last month! I originally applied for the platinum visa and cloc and was turned down. Then I realized on this board that many people apply for the cash rewards so i applied for that and was approved for 1k. What card did you apply for? I think people have luck with the go rewards card too.

Re: nfcu cards

Anonymous — Mon, 18 Jul 2016 10:05:31 GMT

I live in FL and I had a mix of EQ an TU pulls. Since you just got denied, I would wait for the letter that shows your score. They do not use Fico 08 scores for sure. I think it's the mortgage scores but I could be wrong.

After seeing your score, you can decide on a recon. I would actually not recon with your scores and disputes. I would first get my reports cleaned up and then try again. Cleaner reports will most likely lead to lower APR's and a better chance of approval. I was denied the goRewards (TU pull) but approved a cash rewards 6 weeks later on an EQ pull.

Re: nfcu cards

takeshi74 — Mon, 18 Jul 2016 13:01:49 GMT

@justanotherquestion wrote:
oh well, denied for everything.

least i am in the door i guess

In the door doesn't matter for any creditor. Either you qualify or you don't. Being "in" doesn't improve your likelihood of approval. It's all about your credit profile.

You already have a response but in future with any creditor/product it's never just about score. However, you can refer to the Credit Pulls Database (Google to find) if desired.

@justanotherquestion wrote:
do they only pull transunion in florida?

Check the CPDB.