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Navy 3-5 day msg; wants documents

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starry1
Valued Contributor

Navy 3-5 day msg; wants documents

So early this morning I apped with Navy one month out of bk7 and got the 3-5 day message.  Then this afternoon a very nice young man called and asked me for DL, SS card, and a couple of bills to prove address and to bring it into a branch.  I don't mind providing all those things, but I don't know why they want me to bring it in, I was just there on the 28th depositing my paycheck and its a 40 minute drive over there.

 

So anyway, them asking for documents is probably a good thing, right?  At least it wasn't an automatic decline.  I probaby should have waited a couple more months, but I found out yesterday that my EQ had jumped up to 617 from 589, so I decided to strike before my three new cards start reporting and possibly dropping my score a bit.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 1 of 39
38 REPLIES 38
starry1
Valued Contributor

Re: Navy 3-5 day msg; wants documents

I guess I should add I apped for the nRewards since it seems to be the easiest approval.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 2 of 39
dodgeball
Established Contributor

Re: Navy 3-5 day msg; wants documents

You seem to be in good shape there, wouldnt request documents if they where going to deny you

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 3 of 39
Sweets8E
Frequent Contributor

Re: Navy 3-5 day msg; wants documents

Unless you feel some kind of way about providing them with what they want, I do not see it as hurting you. More than likely, due to your score and the age of your account, they want to validate that you have sufficient income to grant you one of their credit products. It's the tradeoff for good service and one that anyone should brace themselves for if they apply. Good luck with the outcome, it seems like it would be pretty positive if you give them what they are requesting.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge
Message 4 of 39
ihatemyscore
Frequent Contributor

Re: Navy 3-5 day msg; wants documents

I was approved 569 tu for 1000 with cash rewards @ 13.4
BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 5 of 39
starry1
Valued Contributor

Re: Navy 3-5 day msg; wants documents


@Sweets8E wrote:

Unless you feel some kind of way about providing them with what they want, I do not see it as hurting you. More than likely, due to your score and the age of your account, they want to validate that you have sufficient income to grant you one of their credit products. It's the tradeoff for good service and one that anyone should brace themselves for if they apply. Good luck with the outcome, it seems like it would be pretty positive if you give them what they are requesting.


Its not hurting me, its just making the time to go all the way over there.  I guess I'll just leave work early or take a long lunch tomorrow if I can.  I'm just saying if they wanted me to prove who I am, then they could have done it when I was already there less than two weeks ago.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 6 of 39
Sweets8E
Frequent Contributor

Re: Navy 3-5 day msg; wants documents

I understand, and I agree with what you're saying. Have you asked if you could possibly fax over what they need to save yourself the trip? I know when I first moved to where I am now, the nearest NFCU branch was about 30-35 minutes away on a good traffic day and I hated driving out there for anything. Ask if you could fax it maybe.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge
Message 7 of 39
webhopper
Moderator Emeritus

Re: Navy 3-5 day msg; wants documents

You should be fine, you can either fax them the documents or upload them into the secure message center if you don't feel like driving to the branch.

 

 

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 8 of 39
starry1
Valued Contributor

Re: Navy 3-5 day msg; wants documents

I asked him if I could fax or email the docs, but he said I had to go in.  I started to argue that I had already been in recently, but then thought better of it.  I'm the one asking for something, so I should just swallow it and comply.  But I'll be really disappointed if they only give me a $500 CL after jumping through these hoops.  Now if they give me a nice limit I'll be over there asking them all out for Happy Hour on me.Smiley Wink


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 9 of 39
j_casteel
Valued Contributor

Re: Navy 3-5 day msg; wants documents


@starry1 wrote:

I asked him if I could fax or email the docs, but he said I had to go in.  I started to argue that I had already been in recently, but then thought better of it.  I'm the one asking for something, so I should just swallow it and comply.  But I'll be really disappointed if they only give me a $500 CL after jumping through these hoops.  Now if they give me a nice limit I'll be over there asking them all out for Happy Hour on me.Smiley Wink


getting approved with NFCU is still awesome...$500 will grow fast and they don't have to approve you even if you "jump through hoops" your scores are low, but you still have a chance. So just comply and hope for the best.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 10 of 39
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