Navy credit card denied. Doesn't meet requirements

[coldfusion]

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@Anonymous wrote:

Vantage can be sometimes 50 points lower or higher than FICO. 

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Not 50, 100+.  Voice of experience.

[Anonymous]

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@coldfusion wrote:

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@Anonymous wrote:

Vantage can be sometimes 50 points lower or higher than FICO. 

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Not 50, 100+.  Voice of experience.

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I was trying not to be totally negative 😂 

[Adkins]

OP, and of you do need to get a secured card with them I would. It will unsecure eventually and you'll have two important things: payment history with them and a better chance for a higher starting line down the road.

[Anonymous]

On Experian site the Fico 8 there scores are Experian 621, Equifax 621, TransUnion 636.... On Equifax site they said my scores was Equifax 536, Experian 478, TransUnion 504.…..which site do I go by? Is there anyway I can find what my Fico 9 score is? What scale does Navy use? This credit thing is so confusing lol...

[texasbred71]

The Experian scores are the true scores. Your Fico 9 should be on there also. I have read that Navy has thier own internal scoring they use. 

[Anonymous]

Would you happen to know how it works?

[Blackswizz750]

The Navy risk score is a risk score and they look at DTI as well. If you have a low internal , its a slim chance on getting unsecured products from them.

[Anonymous]

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@texasbred71 wrote:

The Experian scores are the true scores. Your Fico 9 should be on there also. I have read that Navy has thier own internal scoring they use. 

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FICO 9 is not provided by Experian right now. You have to get it from myFICO but there’s not much of a point since nobody is really using EX 9. 

[Anonymous]

How much of an impact does student loans have? I have about 60k in student loans and make around 72k a year... And all my card utilization is 1%.

[CreditInspired]

OP

Something is keeping your scores down. Can you tell us everything that’s been going on in your credit profile? Any lates, collections, judgment, bankruptcy, returned checks, high utilization, too many recent accounts, too many hard pulls.

With more information, we can provide further guidance.