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Navy finally cracked!

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Frequent Contributor

Re: Navy finally cracked!

Updated with my Navy score as I got my cost of credit letter today.
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 11 of 20
Regular Contributor

Re: Navy finally cracked!

Congrats!  NFCU is awesome!!

 

I've been with Navy for many years, but I don't know what a "Navy score" is.  Can you explain?  I assume it's their internal score.  

Message 12 of 20
Senior Contributor

Re: Navy finally cracked!


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

You got thagt right!!  My Platinum started 9 years ago at $25K & my GO card I got in late July (only $5K) just gave me some major love today with a 5K bump!!!

 

They are my GO-TO for everything. 



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 12/2017 TU 779 - EQ 779 - EX 782
Goal Score: 850

Bury me in the garden...last app 07.27.17

Message 13 of 20
Senior Contributor

Re: Navy finally cracked!


@kcribb1 wrote:

Congrats!  NFCU is awesome!!

 

I've been with Navy for many years, but I don't know what a "Navy score" is.  Can you explain?  I assume it's their internal score.  


That would be the FICO they give you.  Mine was always EQ 08.  I noticed today I'm getting an 09.



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 12/2017 TU 779 - EQ 779 - EX 782
Goal Score: 850

Bury me in the garden...last app 07.27.17

Message 14 of 20
Regular Contributor

Re: Navy finally cracked!

That makes sense.  OP stated s/he Navy score was 291.  I thought it was an internal scoring model.

Message 15 of 20
Senior Contributor

Re: Navy finally cracked!


kcribb1 wrote:

That makes sense.  OP stated s/he Navy score was 291.  I thought it was an internal scoring model.


I know...I was wondering about that 291 as well. Hmmmm....

 


 



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 12/2017 TU 779 - EQ 779 - EX 782
Goal Score: 850

Bury me in the garden...last app 07.27.17

Message 16 of 20
Frequent Contributor

Re: Navy finally cracked!

Does FICO 9 go to 350 points? If so, that’s what they gave me.
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 17 of 20
Senior Contributor

Re: Navy finally cracked!


@Jlgab345 wrote:
Does FICO 9 go to 350 points? If so, that’s what they gave me.

No....The version that Nav Fed gives me is the FICO 09 (not FICO bankcard score) and it runs from 300-850



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 12/2017 TU 779 - EQ 779 - EX 782
Goal Score: 850

Bury me in the garden...last app 07.27.17

Message 18 of 20
Established Contributor

Re: Navy finally cracked!

Navy is showing my FICO 9 as well.


Message 19 of 20
Frequent Contributor

Re: Navy finally cracked!

Yep, online they show FICO 9...my score is 728 with a BK still showing on EQ. The 291 was specified as my Navy score on a letter they sent after I got approved for my GoRewards card.
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 20 of 20
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