Would Navy approve a thin file?

[Creditplz]

Still searching for a starter card for my brother, EQ Fico8 is 713, TU is 719. 0 Inq, 0% utilization 0/8000 AU BBR.

I know Navy will HP for the membership (he does qualify) but what's their stance on thin files?? He's an AU on my card so his oldest credit line is only 9 months old, wouldn't want to waste not one but two HP if they don't like thin files (although they approved me with 14 months history).

[Anonymous]

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@Creditplz wrote:
Still searching for a starter card for my brother, EQ Fico8 is 713, TU is 719. 0 Inq, 0% utilization 0/8000 AU BBR.

I know Navy will HP for the membership (he does qualify) but what's their stance on thin files?? He's an AU on my card so his oldest credit line is only 9 months old, wouldn't want to waste not one but two HP if they don't like thin files (although they approved me with 14 months history).

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I probably wouldn't risk the HP's if it were me. Go with Cap1 or even Chase. I got my Chase FU at 6 months of history from a card reporting as secured.

[Anonymous]

My dw is an au on my cards. She never had one of her own, but she is a new member for nfcu. I applied a cc for her under her own name. No credit history as far as being an au with thin file. She was approved for 1500 on a cash reward.

My dw score was 575 with 5 collections. Hope that helps you.

[JustcallmeTM]

They are good for people who are in the rebuilding stage or just plain building. Profile doesnt have to be perfect to be accepted just dont expect a robust CL to start and wait a minimum of 6 months before you even try a CLI. The AR after 3 months is always a hit or miss depending on your profile. Your credit score and UTI has no effect like some believe.

I could go into detail but I would hate to write novels on all the info on trial and errors from all the info I got on here and what has worked and what clearly hasnt worked.

But I can say from all the NFCU info I have read the more I read the more diluted it is becoming. They are one the easiest CU that I know of and are by far one of the better one for rebuilding or starting compared to others. NFCU was a better building block than the regular banks out there to start.

[AverageJoesCredit]

I say go for it. Seems Navy is a great place to start and for me is well worth the risk of a hp. The rewards far outweigh the risk of failure and besides, sometimes you cant make eggs without breaking a few eggs

[Cherekas]

@Credittony,

I was certainly looking for a similar answer such as this for NFCU cards also. So thank you very much for your infomation. I dont have a clean file but I have 2 cards that are charged off with not so high scores, I'm also a new NFCU member and I joined because I'd like to take advantage of their cards as well. I was wondering if I should wait until I pay off my 2 charged off cards (one will be done in June, the other may take longer, maybe end of the year) before I apply to navy?

[Anonymous]

Cherekas, I would go for it and apply now. Never know until you try. If you get denied which I think you won't, but if, your other plan is to wait till the end of the year. Your hp will be over 6 months old and should not affect you later.

[Creditplz]

He applied for membership and was approved today. Applied for a CashRewards visa and it's been in "review" for about 12 hours now, it happened to me for both of my approvals

[Creditplz]

Approved 4.6k - 16.15% APR

[Creditplz]

Should he apply for their CLOC? I know most people do both when approved for a card