cancel
Showing results for 
Search instead for 
Did you mean: 

Navy federal

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
New Visitor

Navy federal

I don’t really have any credit. I have two loans reporting. No credit cards and old medical bills that are like 6 years old reporting. Score on credit karma are 593&605 .
I applied for the 500cloc and said they will respond in an hour is this good or bad? Should I try for one of their credit cards?
3 REPLIES 3
Regular Contributor

Re: Navy federal

Could you provide fico scores? There are several sites that will give you free FICO scores on trial. FAKO scores are usually lower for people with your profile. How old are the loans? CLOC is usally harder to get at first youll probably be denied but you may be approved if your FICOS are a bit higher than your FAKOs....please report back. Apply for anythinf but the flagship
EX - TU - EQ FICO8's
Mar-2018 - 550/580/610 -
Jun-2018 - 637/655 /704
09-Sep-2018 - 732 /748/778 - Inqs12mo - 3/3/9
Thanks to you all Smiley Happy
Oldest 12.2yr - AAoA - 30months
NFCU 25k + 3k->9k + 12k ----- USAA/CrapOne - 1.3k --- F-Hut - 0.087k LOL
Message 2 of 4
Valued Contributor

Re: Navy federal

I'd personally recommend Navy's secured card if you have the cash on hand to deposit into it. It'll be a good way to establish a history with them and once you do, you'll be able to probably get the card unsecured and/or apply for an unsecured card.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 3 of 4
Community Leader
Super Contributor

Re: Navy federal

You should look at the almost 800 page NFCU thread. Its not just for 2nd cards.







Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.