https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866785#M519195 <P>NavCheck $10K line finally reported on EQ, but my score didn't budge.&nbsp; I would have thought the change in UTIL would have been worth at least a few points???</P> Sun, 10 Feb 2013 08:25:42 GMT thankfulheart 2013-02-10T08:25:42Z https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866785#M519195 <P>NavCheck $10K line finally reported on EQ, but my score didn't budge.&nbsp; I would have thought the change in UTIL would have been worth at least a few points???</P> Sun, 10 Feb 2013 08:25:42 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866785#M519195 thankfulheart 2013-02-10T08:25:42Z https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866813#M519198 <P>Sorry dumb question alert... What is Navcheck? I have navy federal credit union but don't see the product listed.&nbsp;</P> Sun, 10 Feb 2013 08:48:24 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866813#M519198 Rein 2013-02-10T08:48:24Z https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866871#M519209 <P>It is an overdraft line of credit that you can open that reports to the CRA as revolving credit. You have the option of being issued checks that you can write against the account as well (IIRC). It should be under account services when you log in. You can get up to $15,000.</P><P>&nbsp;</P><P>OP: No idea. You might get a couple negative points as well for opening a new account, depending on your credit report. I know I just lost a few points for opening some new cards, but expect that it will bounce back.</P> Sun, 10 Feb 2013 12:39:03 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866871#M519209 _jb_ 2013-02-10T12:39:03Z https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866933#M519227 <P>FYI, it's technically called&nbsp;<SPAN>NAVchek.&nbsp;<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></SPAN></P> Sun, 10 Feb 2013 14:06:10 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866933#M519227 kevinjjc 2013-02-10T14:06:10Z https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866949#M519232 <P>any idea what the apr ranges are on this--couldn't find on web site-txs</P> Sun, 10 Feb 2013 14:17:35 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866949#M519232 coachmiff 2013-02-10T14:17:35Z https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866963#M519237 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/658121">@coachmiff</a> wrote:<BR /><P>any idea what the apr ranges are on this--couldn't find on web site-txs</P><HR /></BLOCKQUOTE><P>I couldn't find any info on their website with regards to how high the APR goes up to, but it starts off at 13.9% APR.</P><P>&nbsp;</P><P><A target="_blank" href="https://www.navyfederal.org/products-services/checking-savings/overdraft-line-of-credit.php">https://www.navyfederal.org/products-services/checking-savings/overdraft-line-of-credit.php</A></P><P>&nbsp;</P><P><SPAN>Current interest rate is as low as 13.9% APR.**</SPAN></P><P><SPAN>&nbsp;</SPAN></P><P><SPAN><SPAN>**Rates are based on an evaluation of credit history, so your rate may differ.</SPAN></SPAN></P> Sun, 10 Feb 2013 14:30:14 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866963#M519237 kevinjjc 2013-02-10T14:30:14Z https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866969#M519240 <P>txs--I am going to apply for the whole 15k--worst they can do is counter?</P> Sun, 10 Feb 2013 14:33:50 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NavCheck-didn-t-move-my-score-one-point/m-p/1866969#M519240 coachmiff 2013-02-10T14:33:50Z