cancel
Showing results for 
Search instead for 
Did you mean: 

Navy Federal Thread for CLI and Additional Cards

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Established Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

DARK FROSTY- Nevermind I just seen you applied and was APPROVED!!! YAYYYYY!! Thats amazing. Congrats!!!

Message 101 of 10,495
Established Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

I have a question.....as you get CLIs with NFCU do you get APR reductions too or do you have to ask
Message 102 of 10,495
Epic Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

You can ask once a year!
Message 103 of 10,495
Established Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Okay thanks so much CA are they good about APR reductions? Do they do any type of pull when requesting one either a SP or HP?
Message 104 of 10,495
Established Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

@Creditqueen,

 

no credit pulls. You just have to call or send a message requesting it each year.

Message 105 of 10,495
Valued Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@Chilli wrote:

@creditqueen,

 

no credit pulls. You just have to call or send a message requesting it each year.


Good to know. Thank you !

NFCU Visa 25k | Cap1 QS 11K | Cap1 QS 10.5K | Barclay Apple Rwds 9k | Amex AU 20k | Citi AU 10k | Delta Amex 5k | CFNA FS 3200 | VS 1200 | Car Loan 10/14 |
Message 106 of 10,495
New Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Applied for a car loan through NFCU.  They didn't tell me flat out no, but they did just email asking me for income verification documents.  Do you think they'll approve it once I prove my income since they didn't tell me outright no?  I'm so nervous!

MY MAJOR CARDS:
1/14 FICO592 11/14 FICO: TU679, EQ650, EX688 BCFICO:692 TUFICO:708 12/1 DiscoverFICO:693
Gardening AGAIN as of 12/6/2014
Message 107 of 10,495
Epic Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD


@sacajungirl wrote:

Applied for a car loan through NFCU.  They didn't tell me flat out no, but they did just email asking me for income verification documents.  Do you think they'll approve it once I prove my income since they didn't tell me outright no?  I'm so nervous!


yes

Message 108 of 10,495
Regular Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Thanks CreditAddict, I was hoping you would start a new thread.  I followed your advice and paid off all of my store cards.  My Navy Fed Account is still lingering at around $8,800 balance with a $10,000 limit.  I plan to have that paid off by March 2015.  My BlueGreen is sitting at $7,000 balance and Cap 1 has a balance of $1,300 (maxed), Cap 1 (new has a balance of $750).  I must admit that since the last time we talked my credit scores have finally started moving upwards consistently.  I'm hoping that one day soon Navy will see how much work and effort I am putting into this credit game and give me an increase.  I just feel like because I have maxed that card out at least 2 times and I've had it since April 2014, that Navy does not trust me.  I am taking your advice and gardening and that seems to be what is causing my credit score to increase so rapidly compard to before when I was charging left and right.  I want Navy to trust me and know that I'm in this for the long haul.  I feel like once I get these last few credit card balance down to a minimum Navy will be willing to offer me something more.  Your thoughts?



Navy Fed Sig. Visa ($27,500)|BlueGreen Encore Rewards ($10,000)|CapitalOne ($6,950)|Discover ($1,000)
Starting Equifax Score: 520 (5/2014) - Current Score: 726
Starting Transunion Score: 613 (5/2014) - Current Score: 733
Starting Experian: 595 - Current Score: 742
Message 109 of 10,495
Epic Contributor

Re: Navy Federal UPDATED CLI and 2ND ACCOUNT THREAD

Sounds like a plan to check in April for cli
Message 110 of 10,495
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.