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Are the Navy Federal Prequalify recommendations Accurate

AllZero
Super Contributor

Re: Are the Navy Federal Prequalify recommendations Accurate


@Adkins wrote:

@AllZero wrote:

Zero for me. I get Shop Member Deals for Extra Rewards and Exclusive Offers


Same here. 🤷


@Adkins  I made the mistake of logging in and checking the online account.

 

You actually check here https://www.navyfederal.org/loans-cards/credit-cards as posted upthread.

Message 101 of 162
Adkins
Mega Contributor

Re: Are the Navy Federal Prequalify recommendations Accurate


@AllZero wrote:

@Adkins wrote:

@AllZero wrote:

Zero for me. I get Shop Member Deals for Extra Rewards and Exclusive Offers


Same here. 🤷


@Adkins  I made the mistake of logging in and checking the online account.

 

You actually check here https://www.navyfederal.org/loans-cards/credit-cards as posted upthread.


I read the entire thread first. And got this when checking that page: 

You've reached a page that has moved or is no longer available.

Please type a search query and we'll try to help.

Last HP 09-14-2020



Message 102 of 162
CivalV
Established Contributor

Re: Are the Navy Federal Prequalify recommendations Accurate

Update: I used the prequalify tool again and applied for the card I prequalified for... 

 

I was approved for the NRewards CC.. So yay me for getting my foot in the door! Smiley Happy

Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by June 2022: First Time Home Buyer
AA:


Goal Completed: Auto Lease 2020 Mazda CX-5 No Income Verification


The Line Up
Marriott Bonvoy: $5000
Amazon Prime Now Sig: $2800
CITI Costco: $5500
CITI Double Cash: $6100
Navy Rewards: $2000
Amex Delta Plat: $1700
Amex Hilton Honors: $1000
Target Red Card: $2000
Victoria Secret Gold: $1200
HSN: $2500
Overstock: $2750
Kohls: $900
Capital One: $2750
Capital One #2: $500

Penfed Personal Loan: $20K
NFCU Secured Loan: $285


Total CL:$36,700
Total UTL: 25%
Current Scores: EQ: 698 TU: 706 EX: 696
Message 103 of 162
recoveringfrombk7
Established Contributor

Re: Are the Navy Federal Prequalify recommendations Accurate

Finally could see the prequal link.  Not eligible at this time.  I am currently 88/2, so we will see if that changes in a few days.  3rd statement should drop tomorrow.  I'll edit this post with daily updates between now and my 91, just for DPs.

 

ETA: 89/3 Not Eligible

ETA: 90/3 Not Eligible

ETA: 91/3 Not Eligible









Message 104 of 162
KJinNC
Valued Contributor

Re: Are the Navy Federal Prequalify recommendations Accurate

Brand new NFCU member as of today, waiting to connect accounts so I can fund my NFCU account. Right now, I have zero balances in savings and checking. I don't see a prequalification link/box on my iPhone in Duckduckgo or Chrome. I don't see it on my laptop in Chrome, with or without AdBlock active and on regular or incognito pages. I wouldn't really expect to be prequalified, due to newness, I'm just confused why the link doesn't show up, considering that I'm not logged in. Maybe they track IP or maybe it's luck of the draw?


FICO Resilience Index: 66. Cards: 13/24, 2/12, 2/6. Accounts including loans: 14/24, 3/12, 2/6. At first accidentally, later deliberately, I used what I call the "thick-start" build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years. There are pros and cons. Thread describing method
Cards (oldest to newest)


Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $144,100, not counting the AU card. The AU card brings the total to $170,600. In March 2019, card CLs totaled $0.
CU and bank memberships: Coastal Credit Union, member since 1987, direct deposit; PenFed, member since 2019; Navy Federal, member since 2020; USAA, member since 2020; Chase Bank, member since 2020.

Closed but still on reports: American Express Delta Gold, $1,000, 09/19-10/20 | American Express Hilton Aspire, $3,100, 09/19-12/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.
Message 105 of 162
recoveringfrombk7
Established Contributor

Re: Are the Navy Federal Prequalify recommendations Accurate


@KJinNC wrote:

Brand new NFCU member as of today, waiting to connect accounts so I can fund my NFCU account. Right now, I have zero balances in savings and checking. I don't see a prequalification link/box on my iPhone in Duckduckgo or Chrome. I don't see it on my laptop in Chrome, with or without AdBlock active and on regular or incognito pages. I wouldn't really expect to be prequalified, due to newness, I'm just confused why the link doesn't show up, considering that I'm not logged in. Maybe they track IP or maybe it's luck of the draw?


@KJinNC mine did not show up for several days, and then did on Linux Mint / Chrome today in standard (after not being there yesterday on 4 different computers, each with a different OS and various browser choices).  Not sure if you've cleared your history, etc, but all of that standard refresh stuff might be worth a shot too if you have not tried it.









Message 106 of 162
AllZero
Super Contributor

Re: Are the Navy Federal Prequalify recommendations Accurate


@Adkins wrote:

@AllZero wrote:

@Adkins wrote:

@AllZero wrote:

Zero for me. I get Shop Member Deals for Extra Rewards and Exclusive Offers


Same here. 🤷


@Adkins  I made the mistake of logging in and checking the online account.

 

You actually check here https://www.navyfederal.org/loans-cards/credit-cards as posted upthread.


I read the entire thread first. And got this when checking that page: 

You've reached a page that has moved or is no longer available.

Please type a search query and we'll try to help.


@Adkins  Try going to the Navy home page. Click Loans & Credit Card tab, then select credit cards. If it doesn't show up, it may be browser specific. I would recommend trying different ones.

Message 107 of 162
KJinNC
Valued Contributor

Re: Are the Navy Federal Prequalify recommendations Accurate


@recoveringfrombk7 wrote:

@KJinNC mine did not show up for several days, and then did on Linux Mint / Chrome today in standard (after not being there yesterday on 4 different computers, each with a different OS and various browser choices).  Not sure if you've cleared your history, etc, but all of that standard refresh stuff might be worth a shot too if you have not tried it.

I tried a hard refresh, still not there, and cleared my cache, still not there.

 

BUT, I tried in Firefox, and I do see it. Not only that, I saw a URL, which I was able to copy and paste into Chrome. The URL works in both Firefox and Chrome. So, it may work for others who are not seeing the link yet. Here it is:

 

https://digital.navyfederal.org/prequal-member/

 

I prequalify for every card NFCU offers, though I am not sure I'll apply yet, because I recently opened four cards and I'm already nervous about AA when they all report. By the time all four do show up, I doubt I'll still prequalify for everything. But, I can wait a while.

 

Of course, this prequalification link will only work for NFCU members. Hope this helps somebody!


FICO Resilience Index: 66. Cards: 13/24, 2/12, 2/6. Accounts including loans: 14/24, 3/12, 2/6. At first accidentally, later deliberately, I used what I call the "thick-start" build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years. There are pros and cons. Thread describing method
Cards (oldest to newest)


Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $144,100, not counting the AU card. The AU card brings the total to $170,600. In March 2019, card CLs totaled $0.
CU and bank memberships: Coastal Credit Union, member since 1987, direct deposit; PenFed, member since 2019; Navy Federal, member since 2020; USAA, member since 2020; Chase Bank, member since 2020.

Closed but still on reports: American Express Delta Gold, $1,000, 09/19-10/20 | American Express Hilton Aspire, $3,100, 09/19-12/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.
Message 108 of 162
ElCocineroRojo
Contributor

Re: Are the Navy Federal Prequalify recommendations Accurate

https://digital.navyfederal.org/prequal-member/

@KJinNC 

 

that link just worked for me on Safari mobile as well!




Message 109 of 162
woodyman100
Valued Contributor

Re: Are the Navy Federal Prequalify recommendations Accurate

Works for me on Firefox 

NFCU-ICCU-EECU-Signature-AOD-Redstone-CapitalOne-Goldman Sachs (Apple)-Huntington-Pinnacle-John Deere-Discover-BofA-Chase-Amex-Banco de Popular-Banco Do Brasil-Commerce-Truist-Citi-Synchrony-HSBC-USAA-Amegy-FNBO-Dell-Regions-Citizen’s-Wex-Hatch-Barclaycard-Comenity-DSNB-Webbank
Message 110 of 162
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