Wanted more info on Navy Federal

[CollegeStudent2]

Im currently a college student. I have a chargedoff checking account i forgot about with navy federal. -215.00

Im looking to pay it off this week. Whats the best way to go about that? Also, what scores are required for the

-PLOC

-Credit Cards

Im looking to re-establish my relationship with them as soon as possible.

[TheFIGuy]

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@CollegeStudent2 wrote:

Im currently a college student. I have a chargedoff checking account i forgot about with navy federal. -215.00

Im looking to pay it off this week. Whats the best way to go about that? Also, what scores are required for the

-PLOC

-Credit Cards

Im looking to re-establish my relationship with them as soon as possible.

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@CollegeStudent2 I would provide additional DP's so the seasoned "Vets" can help you with this.

I'm not sure how NFCU is with forgiving after you defaulted on a checking account with them. I would possibly look into a secured card but without knowing your FICO scores, AAoA, INQ, and DTI it's difficult to help.

PLOC/Loans is a different lending team then CC lending. DP's will be different and possibly more difficult with the recent default on a checking account.

[CollegeStudent2]

.

[CollegeStudent2]

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@TheFIGuy wrote:

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@CollegeStudent2 wrote:

Im currently a college student. I have a chargedoff checking account i forgot about with navy federal. -215.00

Im looking to pay it off this week. Whats the best way to go about that? Also, what scores are required for the

-PLOC

-Credit Cards

Im looking to re-establish my relationship with them as soon as possible.

---

@CollegeStudent2 I would provide additional DP's so the seasoned "Vets" can help you with this.

I'm not sure how NFCU is with forgiving after you defaulted on a checking account with them. I would possibly look into a secured card but without knowing your FICO scores, AAoA, INQ, and DTI it's difficult to help.

PLOC/Loans is a different lending team then CC lending. DP's will be different and possibly more difficult with the recent default on a checking account.

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Do you suggest getting the checking back in good standing first ? Ive heard they are pretty forgiving. We will know this afternoon.

[Anonymous]

Yes, you'll need to make them whole before any future relationship would be possible. Best bet is just call them and level with them - tell them the situation, your desire to pay what you owe, and your hopes of getting back in and see what they say.

[CollegeStudent2]

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@Anonymous wrote:

Yes, you'll need to make them whole before any future relationship would be possible. Best bet is just call them and level with them - tell them the situation, your desire to pay what you owe, and your hopes of getting back in and see what they say.

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Thanks! Im going to do that today. May possibly go up there today

[Anonymous]

I burned Navy on a auto loan at the end of 2018, I let it become a charge off. I made it right with them in December of 2019, I paid it in full and a few days later I was approved for a credit card, and just received another credit with them. As long as you pay in full I think you have a better chance of repairing the relationship.

[CollegeStudent2]

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@Anonymous wrote:

I burned Navy on a auto loan at the end of 2018, I let it become a charge off. I made it right with them in December of 2019, I paid it in full and a few days later I was approved for a credit card, and just received another credit with them. As long as you pay in full I think you have a better chance of repairing the relationship.

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Can you share what the CL you recieved as well as your score at the time ?

[Anonymous]

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@CollegeStudent2 wrote:

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@Anonymous wrote:

I burned Navy on a auto loan at the end of 2018, I let it become a charge off. I made it right with them in December of 2019, I paid it in full and a few days later I was approved for a credit card, and just received another credit with them. As long as you pay in full I think you have a better chance of repairing the relationship.

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Can you share what the CL you recieved as well as your score at the time ?

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The scores in my signature are the scores I had at that time. I was given a 15k SL. Orignal application was declined, but I sent a secured messaged for a recon and they approved me.

[TheFIGuy]

Congrats!🎉. NFCU ceases to amaze me!