Navy Federal Datapoints Thread for Membership, CLIs, and Credit Card Products

[GZG]

Thinking about the future.

If I apply for my second card sometime next year when my TU report is clean of baddies, but my EQ report still has 1 baddie, assuming they pull TU, will their knowledge of my EQ baddie cause them to deny my app or pull EQ when it's been reported that most pulls for new apps are TU? 

Or should I wait for both my TU and EQ reports to be clean before applying?

[SUPERSQUID]

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@GZG wrote:

Thinking about the future.

If I apply for my second card sometime next year when my TU report is clean of baddies, but my EQ report still has 1 baddie, assuming they pull TU, will their knowledge of my EQ baddie cause them to deny my app or pull EQ when it's been reported that most pulls for new apps are TU? 

Or should I wait for both my TU and EQ reports to be clean before applying?

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They pull TU9 for new cards.

[RobynJ]

Navy pulled TU 4 for my auto loan. 

[M_Smart007]

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@RobynJ wrote:

Navy pulled TU 4 for my auto loan. 

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I am 00.000001% sure that is a TU Mortgage score ... like EX FICO2

@RobynJ, I edited to reflect accuracy.

Did not know about Auto Score 4 But then I have not had a car payment in 7 years or more!

I also do not pull my scores from myFICO.

On Experian, for Auto ... I only get

FICO® Auto Score 2

FICO® Auto Score 8

[RobynJ]

As you can see this is auto score 4 not mortgage score. I know this is what they pulled as it's the only score that comes close to matching the price you pay for credit letter they sent and it was exactly the same. 

[M_Smart007]

These are the current Auto offers I have;

Very Solid Pre-Approvals from Service CU

(Click image to enlarge)

Sorry, getting way OT.

[Space_Daddy]

Do I need to wait 6 months if I got an automatic CLI from Navy Fed? Or does the 6 month period between requests only apply to self-iniated requests?

Thank you!

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[M_Smart007]

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@Space_Daddy wrote:

Do I need to wait 6 months if I got an automatic CLI from Navy Fed? Or does the 6 month period between requests only apply to self-iniated requests?

Thank you!

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@Space_Daddy,

Unfortunately ...Auto CLI's reset the 6 month period.

This is a good reason to send a secure message and have them (Auto increases) turned off.

I did just that, I think it was over a year ago .. maybe two.

[Space_Daddy]

Thanks for letting me know. My automatic CLI have me an extra $2000 (from $9000 --> $11,000) but I'm guessing that I'd get a bigger increase if I requested it myself.

[dytch2220]

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CREDIT CARDS

- Pulls TU9

Does anyone know if this would be the FICO Score 9 or the FICO Bankcard Score 9?