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Denied for navy federal credit union secured card - Update: Approved

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OmarGB9
Community Leader
Super Contributor

Re: Denied for navy federal credit union secured card

Congrats! Did they do another HP on you?


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 11 of 16
ZackAttack
Established Contributor

Re: Denied for navy federal credit union secured card


@OmarGB9 wrote:

Congrats! Did they do another HP on you?


Credit Unions usually use the same HP for X amount of days. Seeing how it fits the credit card area, it just probably used the same HP vs another area where a CU could pull it depending on their policy.

 

Example: My local CU uses the same HP for 30 days on credit products (Auto Loans are a sep HP alone).

MSGCU Rewards | $8kDiscover Cash It | $10kAmex BCP | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Plat | $35kNFCU cashRewards | $24kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Loans
Ford Credit Car Loan 2-year 6/22/2023 ($299/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
$1,500 Discover Card 10/2/2020 - 8/18/2021
$3,500 Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022
Ford Credit Car Loan 2-year 6/7/2021 - 6/22/2023
Message 12 of 16
Honeykissez
Regular Contributor

Re: Denied for navy federal credit union secured card

Thank you! No they didn't do another pull. 

Discharged BK 8/5/2020
Fico 8: Ex 537 - Tu 522 - Eq 572

8/5/21: Ex 653 - Eq 669 - Tu 727

Rebuilding: 8/21 Secured nfcu $200 - increased by nfcu on 11/7 to $600 - graduated 2/10 $2,000 ~ 9/10 Secured Discover It $200 - graduated 4/22 $1,800 ~ 12/8 Mercury MasterCard $750 unsecured ~ 4/8 Target $1,200 ~ 5/2 Apple Card $850 ~ 5/31 Quicksilver $2000 ~ 8/7 Nfcu Go Rewards $12,500
Message 13 of 16
gdale6
Moderator Emeritus

Re: Denied for navy federal credit union secured card


@Honeykissez wrote:

UPDATE....I called Navy and spoke with the bankruptcy dept and inquired about the alert still showing on my account. She said that the rep forgot to remove it and that's prob why I got declined for the secured card. She said my payment on Monday reflected on Wednesday and my account was clear. She removed the alert and told me to apply again. I did and I was approved for the secured card. 


Congrats on getting it done!!

Message 14 of 16
M_Smart007
Legendary Contributor

Re: Denied for navy federal credit union secured card - Update: Approved

Congrats! ..

Message 15 of 16
AllZero
Mega Contributor

Re: Denied for navy federal credit union secured card - Update: Approved

Congratulations on your approval!
Message 16 of 16
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