Joining Navy Federal

Harvey26 · ‎07-27-2016

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.

Amex Everyday: 22k, BOA Premium Rewards: 50k , Best Buy Visa: 7k , VACU Mastercard: 11.5k, Discover: 25k, Amex Platinum (POT: 37.5k), Apple Card:4K, PNC Cash Unlimited: 36k, Citi Costco: 10.5k, Chase Amazon Prime: 10k, Rooms To Go: 10k

baller4life · ‎07-27-2016

You will need to unfreeze TU to join.

CreditMagic7 · ‎07-27-2016

MUST! unfreeze so they can pull your credit file.

No other way around it.

credit_endurance · ‎07-27-2016

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

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

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

baller4life · ‎07-27-2016

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

credit_endurance · ‎07-27-2016

@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?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

baller4life · ‎07-27-2016

@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!

credit_endurance · ‎07-27-2016

@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!

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Anonymous · ‎07-27-2016

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

baller4life · ‎07-27-2016

@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.