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Navy finally cracked!

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Frequent Contributor

Navy finally cracked!

After 3 denials this year, I decided to give it one more go. App’d for GoRewards and miraculously granted instant approval of $10k!

Navy score 291, 23% Util (see below)

Sadly I was very impatient, I have been waiting for 5 days for my TU to update because I accidentally let my PenFed PCR statement close last month with 73% Util....still not updated. Now I have to remind myself I can’t wonder what the SL would have been had I waited.

Now I get to see what the Navy Love is all about.
RBFCU Premier $25K, Sam’s Club MC $25K, Citi Exec WEMC $34K, Alliant Signature $20K, SSFCU $20K, Cap1 Venture $20K, Employer CU LOC $20K, Navy GoRewards $18K, 2nd NFCU Plat $14.7K, Citi Simplicity $18.2K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $12.7K, SMG $10K, PenFed Promise $12K, Total Rewards $8.5K, Discover It $2.5K, Discover It $2K, Cap One QS1 $850, Overstock $32K
Message 1 of 20
19 REPLIES 19
Regular Contributor

Re: Navy finally cracked!

Congrats. Navy is the most beloved credit union in the history of credit unions. Lol


Starting Score: 564 in 2012
Current Score: 763
Goal Score: 850 by 5/2020


Take the MyFico Challenge 2018

Gardening until late 2020.
Message 2 of 20
Established Contributor

Re: Navy finally cracked!

Do they pull TU FICO 8?


Message 3 of 20
Frequent Contributor

Re: Navy finally cracked!

They definitely pulled TU, just not sure what version.
RBFCU Premier $25K, Sam’s Club MC $25K, Citi Exec WEMC $34K, Alliant Signature $20K, SSFCU $20K, Cap1 Venture $20K, Employer CU LOC $20K, Navy GoRewards $18K, 2nd NFCU Plat $14.7K, Citi Simplicity $18.2K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $12.7K, SMG $10K, PenFed Promise $12K, Total Rewards $8.5K, Discover It $2.5K, Discover It $2K, Cap One QS1 $850, Overstock $32K
Message 4 of 20
Frequent Contributor

Re: Navy finally cracked!

Most likely TU04, although they seem to be using FICO09 sometimes.

Message 5 of 20
Super Contributor

Re: Navy finally cracked!


@iowe wrote:
Congrats. Navy is the most beloved credit union in the history of credit unions. Lol

I doubt you'll find much argument to that statement.

 

They soar to heights never seen before in any CU. And of their generosity and service? Outstanding!

 

Congratulations!

Message 6 of 20
Valued Contributor

Re: Navy finally cracked!

Congrats. Welcome to the club.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 7 of 20
Established Contributor

Re: Navy finally cracked!

Congrats

Current Scores EQ 689| EX 688| TU 679
Comenity 57.5k| Navy Fed 52.5k| Capital One 32.3k| Synchrony 23k| BBVA Compass 5.5k| First Commerce 4k| Barclays 1.9k|
GARDENING UNTIL APPING....
Message 8 of 20
Valued Contributor

Re: Navy finally cracked!

Congrats m8 , now crazy glue the navy crack

 

Message 9 of 20
Valued Contributor

Re: Navy finally cracked!

Booyah!

NFCU Flagship 74k-United Plus Explorer-50k-QS 25k-Avianca 28.8k-Cabelas 24k-Lowes 35k-USAA Amex 32k-FNBO Plat 31k-Numerous others at 20k and below
Message 10 of 20
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