NFCU EO

[Anonymous]

Hey all im new to this, but i was wondering if anyone knew the EO number or email to NFCU, i want my secured card graduated after i have had it from years. 

[Anonymous]

You don't need the EO office number for Navy Federal about the Secured Card.

You can call NFCU and ask them to review your card if it's been over a year.

If they won't graduate it then there's something on your file that's keeping them away from it being graduated.

[Anonymous]

Yes, I've asked and they said they can't do that. Is there anyone I should ask for, I'm debating on transferring the balance to another card

[shadanat]

Have you reviewed your file lately to see what may be holding you back?

[Anonymous]

I have reviewed my file and my score with them is a 204, i recently paid a charged off account and reopened it with them and i ahve a few collections but many inquiries.

[Sneakytiki]

Do you have high balances? I've found that they do not like high balances or recent late payments.

Their internal scoring system is different too but was only able to get a card when I was 680+ FICO 08, rejected at 640 during one older app. But everyone is different.

[Anonymous]

Lowe’s- $0
Discover-$0
First premier-$0
Nfcu secures-$0
BofA-$-2.5
Capital one-$912 soon to be $812
Fingerhut-$0 as of 11-17

I have no late payments, my last was actually with them in 2017 due to the rep writing down the wrong numbers. Disputed and removed

[Sneakytiki]

Is your limit on the cap one $1000?

[Anonymous]

Yes. So is it that that is holding me back? I was going to wait another couple of months before applying for another card from them so it would show a bit better.

[Sneakytiki]

Probably, fico kills on maxed out cards. For a reference, I had maxed out cards in early Jan and my scores were in the 620s. Payed down a ton is a huge jump and you'll have much better luck after you drop them down.