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More Navy Federal - Refi + Navcheck

New Contributor

More Navy Federal - Refi + Navcheck

More Navy Federal love.  I just posted last month that Navy Fed gave me a $1500 cash rewards card with a 618 TU.  I received an invite to Refi my vehincle and called Friday to take advantage of "member appreciation week."  I ended up getting 4.5 points knocked off to refi (plus a $400 member appreciation gift) and struck up a conversation about navcheck.  I ended up asking for $2000 after a quick convo and they got me approved rather quickly..  It seemed too easy and afterwards thought that maybe I should have asked for more, but I'm already getting more from Navy than I think I deserve and didn't want to push my luck.  I know that in a year or two I'll have really nice limits with them.  Add in a $500 Cap One card that I qualified for and I've gone from only $700 of secured credit to $4700 in total revolving credit ($4000 unsecured) in the past 30 days.


I think I'll be stuck in the 615-630 range until late next year when some charge-off / collections finally fall off (all paid), but it's nice to be headed in the right direction.  And very excited that Navy Federal is taking a chance on me!  I'll starve to death before ever being late on a payment with them.

Experian - 728 | Transunion - 708 | Equifax - 701

NFCU cRewards - $22,000 | NCFU MC - $22,000 | Lowes - $10,000 | DCU Plat Visa - $7,500 | Navcheck - $7,500 | Chase Freedom - $6,000 | Ashley Furniture - $4,800 | Discover IT - $4,500 | Amex BCP - $1,000 | Cap1 QS - $850 | Cap 1 Plat - $700
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Established Contributor

Re: More Navy Federal - Refi + Navcheck

Congratulations!!! It's certainly nice when you can finally see yourself crawling out of the credit dungeon! I know, I've been there. Keep up the good work!

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 2 of 4
Super Contributor

Re: More Navy Federal - Refi + Navcheck

Congrats !!


I did the refi with them on my other vehicle last week. Got a 2.5% for 36 months (from 6.9%). Can't beat the $400  in your savings Smiley Happy

Message 3 of 4
Frequent Contributor

Re: More Navy Federal - Refi + Navcheck

CONGRATS!!! Well deserved....use wisely..

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
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