topic Re: Navy Federal Credit score requirements in Credit Cards

Navy Federal Credit score requirements

Anonymous — Sun, 18 Sep 2016 14:22:38 GMT

I would like to apply for a credit card from Navy Federal. Has anyone applied with a less than 620 credit score and been approved?

Thanks.

Re: Navy Federal Credit score requirements

baller4life — Sun, 18 Sep 2016 14:26:01 GMT

Most definitely. I was approved for Cashrewards $3k limit when I was in the 590's. NFCU is great for rebuilders!

Re: Navy Federal Credit score requirements

Anonymous — Sun, 18 Sep 2016 14:29:00 GMT

Thanks. There's hope for me. 😊

Re: Navy Federal Credit score requirements

BIGSTARXXX1 — Sun, 18 Sep 2016 15:39:38 GMT

wife denied on cash Rewards and CLOCL with 703 TU

I was denied on nRewards with 682 TU

we both have a discharged Ch 13 on our reports (filed 06/2010, discharged 9/2015)

Re: Navy Federal Credit score requirements

Anonymous — Sun, 18 Sep 2016 15:57:00 GMT

@baller4life wrote:
Most definitely. I was approved for Cashrewards $3k limit when I was in the 590's. NFCU is great for rebuilders!

Me too. 3000 cash rewards with 598 eq in april2015.

Now I HV cash rewards 21500.

Go rewards 15000

CLOC. 15000

So definitely can start with low credit scores and as your scores increase you'll be able to get the limits up as well.

Re: Navy Federal Credit score requirements

Aduke1122 — Sun, 18 Sep 2016 18:15:07 GMT

My fiancé got 1600.SL cash rewards with a 590 score at the time he applied .Seems like the only thing I have seen them be sort of skiddish about is recent BK discharge but even then have still seen ppl be approved .

Re: Navy Federal Credit score requirements

creditguy — Sun, 18 Sep 2016 18:31:43 GMT

@BIGSTARXXX1 wrote:
wife denied on cash Rewards and CLOCL with 703 TU
I was denied on nRewards with 682 TU

we both have a discharged Ch 13 on our reports (filed 06/2010, discharged 9/2015)

That's suprising, What was their reasons for denial?

Re: Navy Federal Credit score requirements

Anonymous — Sun, 18 Sep 2016 20:05:05 GMT

Okay I have a discharged chapter 7 from December 2014 so I don't know if I should risk it by applying for the card. My scores are 598-598 -613.

Re: Navy Federal Credit score requirements

Anonymous — Sun, 18 Sep 2016 20:08:39 GMT

What's CLOCL ?

Re: Navy Federal Credit score requirements

creditguy — Sun, 18 Sep 2016 20:25:53 GMT

@Anonymous wrote:
What's CLOCL ?

Checking line of credit

Re: Navy Federal Credit score requirements

jessientyler0726 — Fri, 21 Oct 2016 18:36:15 GMT

I was just approved for two cards with them CashRewards with 5500 SL and Platinum with 6700 SL, my highest score is TU at 530. I will say that I opened a secured card with them for the sake of building a relationship with them in March with $500, I have paid it in full every month sometimes multiple times a month. I randomly decided to app for an unsecured with them before going anywhere - if you dont get approved for an unsecured definitely go the secured route, they seem be be very good at rewarding you for it.

Re: Navy Federal Credit score requirements

jbb27885 — Fri, 21 Oct 2016 18:50:26 GMT

Denied for Cashrewards with scores in the upper 500's, no collections, several lates. Asked to reconsider and was still denied. Will be going for the secured card once the funds are available in the shared checking.

Re: Navy Federal Credit score requirements

heyryan — Fri, 21 Oct 2016 23:50:54 GMT

I was approved in 06/14 for the Cash Rewards card @ 14% w/ 17.5K starting limit. My score at the time was probably in the mid-600s, and I had a couple collections showing. I didn't have any other cards that were close - I think at the time my highest limit was $5K.

Re: Navy Federal Credit score requirements

Ysettle4 — Sat, 22 Oct 2016 19:12:27 GMT

@heyryan wrote:
@I was approved in 06/14 for the Cash Rewards card @ 14% w/ 17.5K starting limit. My score at the time was probably in the mid-600s, and I had a couple collections showing. I didn't have any other cards that were close - I think at the time my highest limit was $5K.

Nice sig. Looks familar

Re: Navy Federal Credit score requirements

heyryan — Sat, 22 Oct 2016 19:34:30 GMT

Haha yes, yours looked way better than mine, so I shamelessly mimicked it I hope you don't mind, as it really is a clean, efficient signature

I did find out however that the board software does NOT like dreamweaver code and hacked the tables apart. It took a few tries to figure out what level of HTML it would be happy with. (I'm a little bummed it shows the table outline even though it shouldn't)

Re: Navy Federal Credit score requirements

Anonymous — Sat, 22 Oct 2016 23:30:44 GMT

@jbb27885 wrote:
Denied for Cashrewards with scores in the upper 500's, no collections, several lates. Asked to reconsider and was still denied. Will be going for the secured card once the funds are available in the shared checking.

Which bureau did they pull?

Re: Navy Federal Credit score requirements

Ysettle4 — Sat, 22 Oct 2016 23:34:25 GMT

@heyryan wrote:
Haha yes, yours looked way better than mine, so I shamelessly mimicked it I hope you don't mind, as it really is a clean, efficient signature

I did find out however that the board software does NOT like dreamweaver code and hacked the tables apart. It took a few tries to figure out what level of HTML it would be happy with. (I'm a little bummed it shows the table outline even though it shouldn't)

Good deal. It took me a bit of trial and error to finally nail it myself.

Re: Navy Federal Credit score requirements

heyryan — Sat, 22 Oct 2016 23:44:03 GMT

They'll either pull EQ or TU - my Cash Rewards was EQ, goRewards was TU. Credit pulls DB is about 50/50

Re: Navy Federal Credit score requirements

Anonymous — Sun, 23 Oct 2016 01:30:14 GMT

@heyryan wrote:
@I was approved in 06/14 for the Cash Rewards card @ 14% w/ 17.5K starting limit. My score at the time was probably in the mid-600s, and I had a couple collections showing. I didn't have any other cards that were close - I think at the time my highest limit was $5K.

I am looking in a mirror! This gives me a HUGE ammount of hope for NFCU as i didnt have any with PenFed.

But I am also having a hard time getting in with the SD chapter of the NavyLeague. I just received my stuff in the mail from NL the other day and it says im part of the National or what have you. So once I figure out how to get that taken care of ( even tho ive already talked to someone over there on the phone, and passed email along about it ) I will apply for some products.

Re: Navy Federal Credit score requirements

Anonymous — Sun, 23 Oct 2016 13:57:50 GMT

Got the cash rewards about 4 months ago, CL of $8k with scores around 580. CLI last month brought it to $10k. Wife is mid 500's and got approved for $1k on her own. I have a handful of CO's from a few years back plus a recent collections I'm in the middle of resolving. My wife has more than a few old medical collections.

Definitely a big help since very few others will even take the chance to let either of us rebuild.