Navy Federal CC

[Anonymous]

Hello! I am interested in applying for a navy federal credit card but wanted to know what they agency they use. My FICO are spread out a bit. Experian 640 TransUnion 613 Equifax 583. I don't want to waste a hard pull if I don't need to. Thanks!!

[FinStar]

It depends on what product you're applying for. TU for a variety of their CC applications and EQ for CLOC based on my experience and IIRC.

Also, keep in mind that scores alone won't be the only thing that NFCU will consider as part of the UW process.

[Pikaboo-icu]

Greetings,

I'm pretty sure they pull TU for new cc apps. 

GOOD LUCK

[Anonymous]

   Transunion in Nevada , not sure about other states

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[Anonymous]

I think if you have good utilization less than 10%  and few inquires/new accounts in last year you would have a good chance at approval especially if you have a good DTI. NFCU uses their own formula and people with lower ficos have had success. I think I was at a 620-630 when I got mine and was approved for $9400.

[Anonymous]

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@Anonymous wrote:
Hello! I am interested in applying for a navy federal credit card but wanted to know what they agency they use. My FICO are spread out a bit. Experian 640 TransUnion 613 Equifax 583. I don't want to waste a hard pull if I don't need to. Thanks!!

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I just apped for NFCU CashRewards CC a few weeks ago. It was a HP from TU and I was approved for $1000 with my internal score with NFCU being a 350.