I have been on this board for a while and have done a ton of research rebuilding my credit from bad history as well as identity theft.
Fast forward 3 years I can say I am on track. Navy Federal was a big help in that department.
Almost 3 years ago I open up a checking and savings account along with 2 Secured CC each being $500 and started banking full time with them. I Always paid off both CC each month or left a 3 % balance. One graduated about a year and a half later the other I closed and open a new line since it did not graduate. I now have a Cash rewards with a 20k limit and a Platinum with a 5k limit.
This year I decide it was time to buy a house. I was making way too much money and was not receiving a tax write off. (Oh almost forgot decided to buy a car and got auto loan from them last year for 60k)
Called Navy Federal did an app and was Pre-approved for 550K for a new mortgage. Took about 2 weeks to find a house. Decided to put 20% down and do an FHA loan due to the 3% interest rate and DTI.
Closed on the home last month and man let me tell you it was an easy process. I have never had such a great experience with a Bank. They really treat you like Family.
4 hours after closing I decided to apply for the Flagship Rewards to buy a few toys for the new house. Approved for 20k Just like that. Then I said what the heck let’s do a CLOC another 10K. Then I got gritty and ask for a CLI for my cash rewards. Declined. Can’t say I blamed them. I have more than enough credit with them. Either way I just wanted to tell everyone my story and say if you treat NFCU right they will take care of you. Thank you very much navy federal they been a great asset to my life in general. If you can Join please do so. They are the best Credit Union to Bank with. And I mean the absolute best.
