I joined 3 months ago put in 50 semimonthly when I reached 300 in the savings account I applied for a credit card and with a 500 credit score I got a credit card for 10k. Not a big deal but sorta a big deal for me.
The last thing you need is a high limit credit card. I can hear “Oh, boy!” from here. How fast can you run that card up and get hit with high interest. Deadly.
Hey sir as someone who repaired their credit and used ALL of you tube university to get to where I am today, DO NOT feel like your repeating your content, there’s always going to be NEW PEOPLE keep it going I hope your business is a success, your channel offers more than the public SS
Quick tip for anyone with a new account. Let it age for 90 days or 3 statement cycles, then apply for credit cards. In the meanwhile open a pledge loan account or secured credit card to build a relationship
@@coffeeblogger7441It’s a loan where you pledge the funds from your savings accounts, CD account, IRA account, and so on, as collateral for a loan. If your savings account had $250, you could ask them to offer you a pledge loan of $200. If you default, they just take the money you have sitting in your account that was used to pledge the loan initially.
Hi Naam, 3 years ago I joined NFCU and soon after I was denied my 1st. Credit Card with them as I had pretty bad credit due to a Trucking accident, loss of my career (and a Home Foreclosure). After doing the best that I could (at 75 years old) trying to repair my credit, I now have 2 NFCU Credit Cards one $33,000.00 and now the Flagship $25,000.00. 2 days ago my Fico score at NFCU came in at a Unbelievable 850 ! Previous 788.
I have 3 minimum cds. Did 3 pledge joins . Secure credit card. 6 months later got 7,800 cash back card. Then a month later got 19000 platinum card . My secured card is now unsecured with 2000 limit .
👍🏽 This sounds good and very exciting. I opened my secured card with $5,000. I have my military payments directly deposited monthly. I keep at least $195,000 in my savings at all times. However, my credit is at around 625 now. I keep seeing the Flagship card when I go to log in on the app. I am thinking about trying my luck at applying. I believe they are going to be graduating my secured card next month. I want to get a mortgage with them next year. Wish me luck 🤞🏽
I'm unsure if other Credit Unions do this, but with NFCU you can get secured loans against your CDs at 2%+cd rate (making your money liquid again) with the benefit of still growing money, especially if you aggressively pay off the loan.
@@LuiBC3 -- I'm in the process of converting my Dad's (who has an NFCU). But they show the rates online. I definitely see HUGE benefit of direct depositing to a NFCU account. You can also call them; I also believe there is a secured option via online portal.
Are you saying you can refinance a pledge loan cause I did this yesterday but realize I was give a set amount to pay monthly so paying 90% I’m only going to have a few payments so how do I get them to change my monthly payment please explain
@@PaulWalker-po7zl -- if you pay more than payment amount (as I have done with their auto loan) they will show payment due of $250 (as in my auto loan), but the date is currently set for 08/24. That's how far I am paid ahead. You ARE NOT refinancing a pledge loan. What I said was, "As you pay off the loan, those funds are unlocked/unfrozen." On a CD, you aren't really going to do anything with that. But with "savings", those unlocked funds can now be moved into a CD or somewhere else. Does that make sense? Shout back if you're still stuck. P.S. You do not want to (if they even allow it) make multiple pledge loans from the same Credit Union.
@@mmlsweet there are some methods to maximize the credit score benefits that you’d benefit from knowing. Take out the loan, then after the loan proceeds are deposited, immediately pay down to 7%, then pay a small amount each month for the remainder of the term. Credit score benefit can be north of 50 points. Plus, when you pay down, the money is immediately returned to your savings account.
I just joined today and watching this video 😅. Tired of greedy big banks and want to rebuild my credit score after 8 months without a job. New job and direct deposit. Let’s see how this journey goes
I'm unsure if other Credit Unions do this, but with NFCU you can get secured loans against your CDs at 2%+cd rate (making your money liquid again) with the benefit of still growing money, especially if you aggressively pay off the loan. (I copied this over from my initial comment). Keep in mind, pretend you save your money in bank savings at 1/4% annual or half percent annual, thinking you have saved 10's of thousands of dollars surely the bank will give me a good loan rate? Auto loan: 5-8% if you're lucky and you're still paying a loan off regardless of the $$$ in your balance. With NFCU, I haven't seen anything that beats paying back a loan at 2%; maybe a Cash Value Whole Life Insurance Policy (as the compounding is tax sheltered, etc.).
I've been a member for nearly 2 years now. I notice you don't mention anything about their Digital Investor option. Do you have any opinions on that or not something that you've tried?
Well, I have been with Navy Federal for probably about 2 going on 3 years now, and I have got a direct deposit with them a savings with them. I have done the Pledge loan with them and also the N rewards card and with all of that they still haven't upgraded my card yet or anyting so I'm really not understanding Navy Federal
I just joined NFCU and have a 720 credit score. I’m a ARNG soldier attending school full time so I don’t have tons of money. I have one credit card and trying to make the best decision for my next card with NFCU or Capital One or even AM. Please give any advice to help me through this process.
The Navy FCU recently changed their website which is not as good as previous. It erase my transfer settings and no statements available to download. Some of the bank activity is not showing in my accounts, but it shows on the paper statements. The advise here is for young adults and does not apply to seniors, like me.
I spoke with NFCU and they stated there is no such thing as Internal credit score …however NFCU will give you higher limits when you’re using their products.
@@NaamWynnwrong wrong and wrong. You don’t NEED credit for any of those things. You might pay a higher down payment or deposit, and you can get cell phones on prepay. If you absolutely have to get a credit card to build credit, get a secured card, so you’re using your own money to fund it and not adding more debt. Don’t you pay attention to Dave Ramsey? Get off this credit wheel. Start living with what you have.
I have only used a debit card forever. I finally realized I needed to get credit when I went to rent a car at Hertz when an emergency came up. Hertz looked at me like I just crawled out from under a rock when I whipped out my debit card. They required a deposit of $500 on top of the rental price and they refused any car except the cheapest one on the lot. And this was after the embarrassing wait while they first ran a credit check. Hertz also took forever in releasing the hold after the car was returned. My deposit was locked up for another 30 days. After this experience, I started seriously looking for building credit. So yeah, a credit card is kind of necessary these days.
AD here, applied for NFCU 5x! Keep getting denied. Never told me why or what I needed to change. Went to the physical location as well. Customer service is okay for this credit union.
I'm not eligible to join Navy Federal Credit Union. What are 2 or 3 other top credit unions you'd recommend? I'm trying to rebuild my credit and also will need an auto loan eventually. Thanks
@@don-michealbell6303that's fine about the BK but I just called them over the phone literally about 2 weeks ago and told them my grandfather served in the military but he's dead now and I don;t have his credentials. They asked what branch. I said Army. They asked for a name. I gave them a name. They said let's get you enrolled now. It was that simple.
I tried to join, but I was turned down. I am a navy vet that was honorable discharged. I met a guy that has navy federal based on the fact that his father was in the Navy, but I can’t be approved? Navy federal is complete bullshit for me.
I just joined Navy I have some military with NFCU so I didn’t know to much about the different accounts so I got the Easy Vheckkng and savings so I should I do Flagship account and do another account after a few months for some extra saving goals. ?
The flagship would help. Just keep in mind your internal score only effect credit cards apps. If you have a solid personal credit score, you should be good for other products.
I'm interested in your credit rehab pro...I have identity IQ and paying 29.00 a month...does your product have the same features in addition to your credit repair feature? If so...I'm very interested
If you know literally anybody in your family or extended family who was or is in the military call in to NF late night to open the account give that person's name. They just took my deceased relatives name and opened the account
Nah, I pass with Navy Federal. They are racists. Navy Federal approved more than 75% of white borrowers who applied for a new conventional home purchase mortgage, meanwhile less than 50% of black borrowers were approved. Navy Federal approved a higher % of white borrowers applicants making less than $62k a year than it did with black borrowers making $140k or more.
Navy Federal has a very stringent process for mortgages. You may qualify at Bank of America, but you better have your ducks in a row, before you apply for a loan at Navy Fed. Black, applied and we were approved. If your numbers aren’t in order, apply somewhere else.
I joined 3 months ago put in 50 semimonthly when I reached 300 in the savings account I applied for a credit card and with a 500 credit score I got a credit card for 10k. Not a big deal but sorta a big deal for me.
My Dad ( helped fix his credit) was given a c/c with nearly a $15k limit.
🙏🏾💎
The last thing you need is a high limit credit card. I can hear “Oh, boy!” from here. How fast can you run that card up and get hit with high interest. Deadly.
😮😂😅😅😅😅🎉😅😮😅😅😅😅😊😅😊
What’s your credit score now?
Hey sir as someone who repaired their credit and used ALL of you tube university to get to where I am today, DO NOT feel like your repeating your content, there’s always going to be NEW PEOPLE keep it going I hope your business is a success, your channel offers more than the public SS
All of those so called “experts” will just keep you where you are. UA-cam is a God Send.
I just joined today!! I’m so happy….been wanting to do this for a few years!! Now I’m finally here!!
Quick tip for anyone with a new account. Let it age for 90 days or 3 statement cycles, then apply for credit cards. In the meanwhile open a pledge loan account or secured credit card to build a relationship
What's a pledge loan?
I didn't wait 90 days or 3 billing cycles to apply for the flagship credit card and I got the highest limit available with the lowest interest rate
How long were you a member?@coffeeblogger7441
@@coffeeblogger7441It’s a loan where you pledge the funds from your savings accounts, CD account, IRA account, and so on, as collateral for a loan.
If your savings account had $250, you could ask them to offer you a pledge loan of $200.
If you default, they just take the money you have sitting in your account that was used to pledge the loan initially.
@@ONeal397 You probably have a good credit score.
Hi Naam, 3 years ago I joined NFCU and soon after I was denied my 1st. Credit Card with them as I had pretty bad credit due to a Trucking accident, loss of my career (and a Home Foreclosure). After doing the best that I could (at 75 years old) trying to repair my credit, I now have 2 NFCU Credit Cards one $33,000.00 and now the Flagship $25,000.00. 2 days ago my Fico score at NFCU came in at a Unbelievable 850 ! Previous 788.
That's inspiring!
Omg how? Please tell me how to obtain this 🙏
I have 3 minimum cds. Did 3 pledge joins . Secure credit card. 6 months later got 7,800 cash back card. Then a month later got 19000 platinum card . My secured card is now unsecured with 2000 limit .
Awesome!
What was your credit score at the time?
600 to 640@@LeverageOPM
What was your reported income?
👍🏽 This sounds good and very exciting. I opened my secured card with $5,000. I have my military payments directly deposited monthly. I keep at least $195,000 in my savings at all times. However, my credit is at around 625 now. I keep seeing the Flagship card when I go to log in on the app. I am thinking about trying my luck at applying. I believe they are going to be graduating my secured card next month. I want to get a mortgage with them next year. Wish me luck 🤞🏽
I'm unsure if other Credit Unions do this, but with NFCU you can get secured loans against your CDs at 2%+cd rate (making your money liquid again) with the benefit of still growing money, especially if you aggressively pay off the loan.
To do this, do you need to do this in a branch location or is this an option offered through online banking?
@@LuiBC3 -- I'm in the process of converting my Dad's (who has an NFCU). But they show the rates online. I definitely see HUGE benefit of direct depositing to a NFCU account. You can also call them; I also believe there is a secured option via online portal.
Are you saying you can refinance a pledge loan cause I did this yesterday but realize I was give a set amount to pay monthly so paying 90% I’m only going to have a few payments so how do I get them to change my monthly payment please explain
@@PaulWalker-po7zl -- if you pay more than payment amount (as I have done with their auto loan) they will show payment due of $250 (as in my auto loan), but the date is currently set for 08/24. That's how far I am paid ahead.
You ARE NOT refinancing a pledge loan. What I said was, "As you pay off the loan, those funds are unlocked/unfrozen." On a CD, you aren't really going to do anything with that. But with "savings", those unlocked funds can now be moved into a CD or somewhere else.
Does that make sense? Shout back if you're still stuck.
P.S. You do not want to (if they even allow it) make multiple pledge loans from the same Credit Union.
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
Thank you for your tips. I just joined NFCU on Monday. I’ll start building.
Awesome!
The shares secured loan (pledge loan) can be your friend. I’ve done two of them
@@michaelswami awesome thank you. After my direct deposit setup I’ll do that next. 👍🏻👍🏻👍🏻👍🏻👍🏻
@@mmlsweet there are some methods to maximize the credit score benefits that you’d benefit from knowing. Take out the loan, then after the loan proceeds are deposited, immediately pay down to 7%, then pay a small amount each month for the remainder of the term. Credit score benefit can
be north of 50 points. Plus, when you pay down, the money is immediately returned to your savings account.
Did you get access/referral code immediately you joined?
Ty for dropping the tip about NFCU flagship checking accounts! Just switched mine over with no hassle!
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
I had Wells Fargo now I moved to navy federal I’m so glad I waited for this credit union
Been when them 5 years... never leaving
9 for me and same 🤞🏽
Navy fed for life❤
Thanks Naam. Still serving the public. Have you done an NFCU IRA video? If not, I'm requesting one.
Sounds good! I’ll do one!
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
just joined tonight so i had to watch your video
I just joined today and watching this video 😅. Tired of greedy big banks and want to rebuild my credit score after 8 months without a job. New job and direct deposit. Let’s see how this journey goes
This is the information I needed. Opening the flagship checking asap
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
Navy Federal has a lot more going than I thought
I got all 4 that you said check & Savings Direct direct deposit car loan. Plus 3 credit cards. Later I would like to do the flagship account in future
Shouldn’t be denied just exercise your rights!!!
I did everything but flagship checking. Thanks man!
I just learned about that checking 2 days ago they sent an email, now I’m hearing it here.
Pledge Loans Don’t Cause a Hard Inquiry
Been with navy fed for 12 years and keep getting denied a damn credit card
I just joined navy fed last Monday and saw the cds but I felt the exact same way about them. Don’t want my money tied up
I'm unsure if other Credit Unions do this, but with NFCU you can get secured loans against your CDs at 2%+cd rate (making your money liquid again) with the benefit of still growing money, especially if you aggressively pay off the loan. (I copied this over from my initial comment).
Keep in mind, pretend you save your money in bank savings at 1/4% annual or half percent annual, thinking you have saved 10's of thousands of dollars surely the bank will give me a good loan rate? Auto loan: 5-8% if you're lucky and you're still paying a loan off regardless of the $$$ in your balance.
With NFCU, I haven't seen anything that beats paying back a loan at 2%; maybe a Cash Value Whole Life Insurance Policy (as the compounding is tax sheltered, etc.).
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
I have a CD. My only surprise is that they deduct taxes from it. I assumed it was only going to build up 😕🤷🏽
Great information! Thank you!!!❤
I've been a member for nearly 2 years now. I notice you don't mention anything about their Digital Investor option. Do you have any opinions on that or not something that you've tried?
Well, I have been with Navy Federal for probably about 2 going on 3 years now, and I have got a direct deposit with them a savings with them. I have done the Pledge loan with them and also the N rewards card and with all of that they still haven't upgraded my card yet or anyting so I'm really not understanding Navy Federal
You should be able to call them every six months and ask for a credit increase/lower interest rate.
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
Good job buddy
Thanks 👍
Naam when you remove items from credit bureau, will it make my scores drop?
Flagship checking n savings
I would add a CLOC as well.
I just joined NFCU and have a 720 credit score. I’m a ARNG soldier attending school full time so I don’t have tons of money. I have one credit card and trying to make the best decision for my next card with NFCU or Capital One or even AM. Please give any advice to help me through this process.
The Navy FCU recently changed their website which is not as good as previous. It erase my transfer settings and no statements available to download. Some of the bank activity is not showing in my accounts, but it shows on the paper statements. The advise here is for young adults and does not apply to seniors, like me.
Great advice 👍😊
I did Cd with them. On my second one now
I spoke with NFCU and they stated there is no such thing as Internal credit score …however NFCU will give you higher limits when you’re using their products.
Most reps may not know what it is. You will only see it after a credit card application
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
Nah they do. They have their own as well as the regular credit score. It’s like a point system I think.
Pledge loans are amazing
Can I join because my father was in the military but he's past away but I have his Dd-214
Yes you can. I called and applied over the phone and I told them I had my father's DD-214 but the representative said I didn't need it.
Yes
@crystalclearwindowsllc- Yes, you can! I sent a copy of my dad death Certificate! That's how I joined "Blessings" on your journey with Navy Fed🙏🏽💙🌹
What about the Digital Investment Options they have, Roth IRAs and others? Would that count as building a relationship with them?
They closed my navy federal account due to someone sending me $400 that they owed me
What about using them to refi? Motorcycle, car, home etc
Can you do a digital invested review ?
How bout saving money and living within your means? You don’t need credit for that.
True, but can’t do a lot things without credit. Rent? Mortgage? Even cell phones plan will check credit
@@NaamWynnwrong wrong and wrong. You don’t NEED credit for any of those things. You might pay a higher down payment or deposit, and you can get cell phones on prepay. If you absolutely have to get a credit card to build credit, get a secured card, so you’re using your own money to fund it and not adding more debt. Don’t you pay attention to Dave Ramsey? Get off this credit wheel. Start living with what you have.
I have only used a debit card forever. I finally realized I needed to get credit when I went to rent a car at Hertz when an emergency came up. Hertz looked at me like I just crawled out from under a rock when I whipped out my debit card.
They required a deposit of $500 on top of the rental price and they refused any car except the cheapest one on the lot. And this was after the embarrassing wait while they first ran a credit check.
Hertz also took forever in releasing the hold after the car was returned. My deposit was locked up for another 30 days.
After this experience, I started seriously looking for building credit. So yeah, a credit card is kind of necessary these days.
AD here, applied for NFCU 5x! Keep getting denied. Never told me why or what I needed to change. Went to the physical location as well. Customer service is okay for this credit union.
Did you check to see if you are in the chexsystem or EWS (early warning system)?
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
Christina Walk
I have been denied can you tell me how to apply as a civilian
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
You need a referral from someone that has been or was in the service: army, navy, etc
Does Navy Federal car insurance (Liberty Mutual via TruSafe) help your internal score?
Hi man I noticed on navyfed business CC they ask if any have a felony on the application, do you have any insights on it? Thank you.
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
I need help clearing my credit I’m legally blind so prefer a trustworthy establishment?
They do not care if you have money into their account.They only care about your credit these days.And you're not having a lot of debt.
I'm not eligible to join Navy Federal Credit Union. What are 2 or 3 other top credit unions you'd recommend? I'm trying to rebuild my credit and also will need an auto loan eventually. Thanks
Pendfed and nihfcu are both great
American 1 Credit Union (Michigan) has a co-op you have to join first for $3 bucks, but they have a 6% cd rate.
Pen-Fed , SDFCU of Maryland ,
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
I can't join. No military affiliation
yes you can. Call and tell them your father was in the military
@dmvbay2535 ok, but what if they ask for proof? Plus I prefer to wait until my BK falls off of my report.
@@don-michealbell6303that's fine about the BK but I just called them over the phone literally about 2 weeks ago and told them my grandfather served in the military but he's dead now and I don;t have his credentials. They asked what branch. I said Army. They asked for a name. I gave them a name. They said let's get you enrolled now. It was that simple.
Then be like ikay ill get proof and dont lol@@don-michealbell6303
Mandy Mills
I tried to join, but I was turned down. I am a navy vet that was honorable discharged. I met a guy that has navy federal based on the fact that his father was in the Navy, but I can’t be approved? Navy federal is complete bullshit for me.
By the way, that guy that showed me his navy Federal card was never in the military only his father was and I can’t get approved😡
Call in or go in branch
I just joined Navy I have some military with NFCU so I didn’t know to much about the different accounts so I got the Easy Vheckkng and savings so I should I do Flagship account and do another account after a few months for some extra saving goals. ?
The flagship would help. Just keep in mind your internal score only effect credit cards apps. If you have a solid personal credit score, you should be good for other products.
I'm interested in your credit rehab pro...I have identity IQ and paying 29.00 a month...does your product have the same features in addition to your credit repair feature? If so...I'm very interested
If you’re trying to get credit repair, I can refer a program
You can also need to look their name up to see their website
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
🔥🔥🔥!!!
Waters Lodge
Am not a Military 😮. Is this just for Military?
VonRueden Ports
how do you join if you are not in military nor have any DoD relationship
call and tell them your father was in the military, etc. They don't ask more.
@@dmvbay2535They actually called my husband to confirm the relationship between him and his brother.
Cartwright View
Can I use navy federal to get a auto loan in Brazil? I live here and am a customer of navy federal
Most likey not, as you will need to have the dealer send in the title.
How can you find out your internal score.
New Subscriber
Became a member through family member, can my spouse join through me?
Yes!
I don't have any relationship with navy. Is there anyone to help me open ?
If you know literally anybody in your family or extended family who was or is in the military call in to NF late night to open the account give that person's name. They just took my deceased relatives name and opened the account
@@bella50008That's seedy.
Do they need person ssn
@@clydenice No. Just gave his name and branch of military
@@clydenice nope
Can have a flagship and echecking at the same time
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
Yes I have both.
Ritchie Path
Yep
Hammes Mountain
how do you know whats your internal score?
You usually get it from an adverse action letter after a application. Sometimes a loan officer may be able to get this for you.
Why is a flagship checking a better?
If you carry bigger balances and strengthens your relationship with NFCU
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
What is 50 semimonthly?
lol
How much was the auto loan for
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
Darius Flat
Cds
The bank is a joke, I have an 805 credit score, they’re offering me the secured loser card. Complete scam.
You have to have their products, a relationship with them
@@RICHGLOSO bullshit! 30 years of credit, on multiple homes. The bank is a scam.
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
You have to have 1600 in a flagship checking account and get a Certificate of Deposit with a thousand then apply for the flagship visa in 30 days
loser card for a loser.
Did pledge loan for 3k and paid off 90% and my score dropped some points!
You got to give it some more time
Have you done the FEMA AFFILIATED PROGRAM yet, the CASH HACK PLATFORM I did cash hack just some days back and I got paid $20,000 in just a few hours
Can't even take that homie, ego, alpha male intro. Nope!
🤣
Nah, I pass with Navy Federal. They are racists. Navy Federal approved more than 75% of white borrowers who applied for a new conventional home purchase mortgage, meanwhile less than 50% of black borrowers were approved. Navy Federal approved a higher % of white borrowers applicants making less than $62k a year than it did with black borrowers making $140k or more.
Well that shows RACISM but I doubt if they ever stop their racist behavior they are taught this from childhood
*Bullschitt !*
Navy Federal has a very stringent process for mortgages. You may qualify at Bank of America, but you better have your ducks in a row, before you apply for a loan at Navy Fed. Black, applied and we were approved. If your numbers aren’t in order, apply somewhere else.
My internal score is 292 with navy federal
How did you find out. I’ve requested with no luck
How do I find my internal score from navy federal
You can call and ask, or after a credit card application.