UPDATED: 3/8/17
So called Navy Fed Customer service today, spoke to a nice rep who was able to get membership department on the line and locate my application based on my email address. They processed and opened the accounts while I waited on hold. Got notification that my TU was pulled while I was waiting - So TU Pull for Membership. Customer Service Rep came back on and went through my info (access #'s online setup etc) funded account from a CSP Visa.
Logged In to online service and after setting up my password etc. Applied for Flagship Visa...another TU Pull notification
App Went Pending
What do I do now?
UPDATE: 3/8/17 -
APPROVED!!! NAVY FLAGSHIP SIGNATURE VISA
SL: $24,000
RATE: 15.99
ORIGINAL POST:
Looking for input from my fellow myFico cohorts. Looking at joining Navy Fed...found the NL of SD method, got my NL membership emails etc...and Navy Fed App filled out. Have searched the forum and it seems it's a dice roll on which bureau they will pull for membership and/or credit card apps? I'd normally wait, but don't want to risk them closing this backdoor to membership...(paranoia) I'm sure but have a funny feeling that I need to do it asap. I'd open Share/Savings + Everyday Checking and app for Flagship Rewards Sig Visa + CLOC (Navcheck?)
Looking for feedback/experiences/thoughts/opinions Thank you in advance!.
TU Report:
Fico 8: 701
AAoA: 1.9 yrs
Util: 17%
Inq: 7 - (last hp was nov 22 bofa cli)
Oldest: 6.6 yrs
Newest: 5 mths
Baddies:
2 Fed Tax Liens from 08/2010 & 10/2010 (grrr)
EQ Report:
Fico 8: 687
AAoA: 1.9 yrs
Util 17%
Inq: 16 - (last hp jan 29, disputing this one because it was not authorized, no response & 30 days is up tomorrow)
Oldest: 6.6 yrs
Newest: 5 mths
Baddies:
2 Fed Tax Liens 08/2010 & 10/2010
2 Student Loan's Closed/Transferred 180 days late 2014 (still fighting)
Current CL's in signature but as of this post my "higher" cls are: .PenFed $25k, Amex Spg $24k, Chase Ritz $20k, Barclay Arrival+ $20k
Hi Cashcorp1 
Glad your looking to get in now and truely hope you do. I dont know but ive had that same feeling, as has a fellow member who shant be mentioned haha, that you never know when SD closes its method . Truely, how many San Diegans are there? Lol.
Anyway, from my own experience, wad going to join from Navy League, but then door opened for vets, i joined and thankfully for membership and cc, they pulled TU and not my dreaded EQ
. I guess it could depend on where you live but as ive said before, going for Navy is well worth the hps because once a member, a member for life. Includes your immediate family too. Best of luck cant wait to read your approvals thread
Glad your looking to get in now and truely hope you do. I dont know but ive had that same feeling, as has a fellow member who shant be mentioned haha, that you never know when SD closes its method . Truely, how many San Diegans are there? Lol.Anyway, from my own experience, wad going to join from Navy League, but then door opened for vets, i joined and thankfully for membership and cc, they pulled TU and not my dreaded EQ
. I guess it could depend on where you live but as ive said before, going for Navy is well worth the hps because once a member, a member for life. Includes your immediate family too. Best of luck cant wait to read your approvals thread
