NFCU credit check

[Bogey1975]

I want to refi my wife's car. Anyone that has recently got a auto loan through Navy, do you know what FICO scores they are checking now?

Will NAVY let you refi them if you already have the same car loan with them?

[blindambition]

They now pull TU, I believe 9, if not 9 it's 8.

Not sure if they will refi a current loan, I know some lenders won't. I'd give them a call on that.

[Mr_Mojo_Risin]

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@Bogey1975 wrote:

I want to refi my wife's car. Anyone that has recently got a auto loan through Navy, do you know what FICO scores they are checking now?

Will NAVY let you refi them if you already have the same car loan with them?

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This past September they pulled EQ5 for my auto loan.

[josie]

Pulled  TU for me last week.

[ldkcivilservant]

TU9 for me in October in GA.

[Anonymous]

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@blindambition wrote:

They now pull TU, I believe 9, if not 9 it's 8.

Not sure if they will refi a current loan, I know some lenders won't. I'd give them a call on that.

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I would agree with this on both counts. ☺️

[Anonymous]

Transunion. Recently tried to refinance my car and Navy Fed pulled transunion. But they denied me ☹️☹️☹️☹️

[Conceptual23]

From my understanding, they pull TU for credit cards, and EQ for everything else.  I've only app'd for credit cards with Navy and they pull TU both times. 

[josie]

They changed from pulling EQ for auto loans back in October they changed to TU.

[dunn2500]

yes TU now and also they will refinance an existing auto loan but your scores have to be better than when you got the loan......since they switched to TU (my worst) they wouldnt lower mine so I went to another CU........but they will refinance an existing loan...i believe its 3 or 6 months minimum from existing loan....but not positive on that