PROOF How to Build Internal Points with Navy Federal (TOP SECRET)

Рет қаралды 38,775

Жыл бұрын

In this video I teach you how to build internal points with Navy Federal Credit Union by sharing methods with you that even Navy Federal says them selves to start doing.
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TAGS:
Navy Federal, Credit Union, Navy Federal Credit Union, nRewards, EasyStart Certificate
Cash Rewards, Is Navy Federal a scam? Is Navy Federal legit? CD Navy Federal,
Go Rewards, Platinum credit card, Sub prime credit cards, credit limit increase, how to get
faster credit limit increases, how to get higher credit card limits faster, high limit credit,
credit cards for bad credit, fair to good credit cards, Flagship Rewards, MoreRewards card.
how to build credit, how to rebuild credit, bad credit, getting credit cards with collections and charge offs.

Пікірлер: 144

@sjt7005 Жыл бұрын

Been with Navy since Dec 2021, opened flagship chk, savings with $5.00 and DD. Added pledge loan $500, $1000 CD, 3 months later applied for Platinum Visa $33k, TU 678, DTI 20%, utilization 10%. Applied for mortgage refi and home improvement loan 3 months later but did not apply for home improvement loan until mortgage refie closed. Added money market $1000 and opened 4 shared savings $5.00 each for mu children. Requested CLI after 91 days and then 6 months, now my Platinum Visa is at $49k. Applied for Cash rewards 7/5/2023 and today received email approval for $25k. TU score 745, DTI 35% and utilization 1%.

@dopeboyp3487 Жыл бұрын

Nice job, congratulations! I just started banking with them July 3rd 2023, and I plan to take a similar approach when building my relationship with them. The information you provided is inspirational. Thank you, and much success to you moving forward in your finance journey. 👊🏽💯

@sjt7005 Жыл бұрын

@dopeboyp3487 Thank you very much. I wish I had this information at 18, LOL. I am also building relationships with Penfed, SECU, Langley, Andrews and Kinecta. So far I have $10k LOC with Penfed and $20k CC with SECU, still gardening with the others. Good luck to you as well!

@dopeboyp3487 Жыл бұрын

@@sjt7005 Having this information at 18 would’ve done wonders, right. LOL! This is why my wife and I are giving our children the leg up, and head start our parents weren’t knowledgeable enough to grant us. Currently building credit for our 21yr old, then our 17 & 15yr olds are up next beginning this fall. Very solid information from your experience, and I greatly appreciate you. I’ll check out those other banks too, thanks again!

@samuelrobinson7893 9 ай бұрын

Dam you killin it! Congrats

@keithrivers1578 3 ай бұрын

Geeesh teach me the game ghost lol but seriously keep up the good work 💪🏾

@Atclav 9 ай бұрын

I watch a lot of your videos. Thanks for the clarity.

@albundy8857 4 ай бұрын

You da truth brother and I don’t usually comment on vids but preshate you being consistent and for the culture!

@millionairesblvd Жыл бұрын

I Love your videos, you give real value! Thank you 🙏

@JustMoneyish Жыл бұрын

Thank you 🙏

@jessicac1388 Жыл бұрын

This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy I've never payed attention to the Bulwark Hacks llc on the internet movement when I say ancestral your a gift to our people

@warrenliquidation3304 9 ай бұрын

Thank you. Your videos are very helpful

@averymorrison6092 Жыл бұрын

I definitely been watching and doing everything you been telling me to do

@JustMoneyish Жыл бұрын

Beautiful man! 🔥🙌

@albertcastro409 10 ай бұрын

Great 👍🏻 Video Content !!

@StacheCam Жыл бұрын

Blessing with some Free knowledge

@KruwnHolderTV Жыл бұрын

Definitely looking to get a card going then an auto with NF . . thanks for your vids

@JJ-vw2fh Жыл бұрын

Thanks I was wondering and I so agree with you had Chase over 10 years and they wouldn’t work with me now I have changed everything over to Navy fed my direct deposit everything

@JustMoneyish Жыл бұрын

EXACTLY!!!

@joebruce4826 Ай бұрын

Chase is trash

@shaunelam5746 Жыл бұрын

Definitely needed this ! Thanks 🙏🏾

@JustMoneyish Жыл бұрын

🙏

@sheliajavery1783 Жыл бұрын

Thanks For The Information!!

@JustMoneyish Жыл бұрын

Our pleasure!

@too7melo Жыл бұрын

Appreciate the video, earned my sub my guy 💪🏾

@JustMoneyish Жыл бұрын

Appreciate that!

@blessedgem2570 7 ай бұрын

Great videos

@thesword308 Жыл бұрын

Thanks a lot for the video I been with navy federal for almost a year and I have a secured card I hope I graduate with them

@bella50008 Жыл бұрын

They will definitely graduate but you can use their message center in your account to ask them when... they won't give a definitive answer but now you have a human looking at your account as opposed to the system.

@user-hm2ic1xz2g Ай бұрын

Kool dude!!

@MrLepochu Жыл бұрын

100% agree with you.

@JustMoneyish Жыл бұрын

💯💯

@MalikaJOHNSON-kt8oz 8 ай бұрын

Thank you 🎉🎉

@vellitzar 10 ай бұрын

Bro you deserve that sub and like

@JustMoneyish 10 ай бұрын

💎🙏

@deweydewey 8 ай бұрын

How can you find out my Internal Credit Score ? Thank you for your videos

@MichaelGolpe 9 ай бұрын

Well done, thank you. I’m new here. Trying to get a mortgage.

@williamizaadonis6443 11 ай бұрын

I am with navy federal but only been with them for about 3 months, I do have a direct deposit with them, and would like to get a car through navy federal. this video is very helpful

@Eric-sq2to 10 ай бұрын

Auto loans are the easiest to get approved for as they are secured.

@callmeNeno Жыл бұрын

Same here; NFCU is my primary account with Direct Deposit and Capital One is my secondary checking & savings.

@JustMoneyish Жыл бұрын

Yup make way for navy federal we’re coming in hot 🔥😂🙌

@Greenfarmer25 Жыл бұрын

I can't stand capital one they're so cheap they told me they couldn't raise my limit because I didn't use enough of the credit they gave me it's only 300 dollars I can make one purchase and it's over 😂

@callmeNeno Жыл бұрын

@@Greenfarmer25 Capital One checking & savings are awesome. But their cards is very underwhelming and don’t like their three hard pulls with the credit bureaus for credit applications.

@dopeboyp3487 Жыл бұрын

@@Greenfarmer25Use it, but don’t max it. 300 isn’t much, but if you use it to your advantage you can easily level it up in no time. Swipe it several times per month on low cost items, and pay the bill by the statement closing date.. Not the due date. Try this for 90 days, and watch what happens. Good luck!

@mrmartin7131 6 күн бұрын

@@Greenfarmer25damn you too 😂

@Trezn 11 ай бұрын

I called navy fed earlier today they internal score not really considered when applying for things I just got approved for a checking applied for a card within like 3 days got approved

@TheEnokerz 8 ай бұрын

I needs that m3

@deweydewey 8 ай бұрын

I was just approved for the Flagship Card

@robinb3126 11 ай бұрын

NFCU is our primary bank, we have direct deposit, money in all 3 of our bank accounts and our mortgage is funded by them. We would like to get a personal loan to pay off our auto and RV loan. We also would like some extra money to make a few minor improvements to our home. This may be an obvious question but.....is it important to let them know what we are going to do with the money we receive? If so, should we call to apply rather than doing an application online? Our income will more than cover the personal loan amount ($30,000) payment, but only once we pay off the auto and RV. What do you think?

@CoachCoryE 11 ай бұрын

Can I take out a pledge loan with a auto loan already taken out ?

@blindsey1043 5 ай бұрын

Bro let us know when get approved sir 8ts happy 2024

@dlawso23 Жыл бұрын

I have three products with Navy Federal, but Credit Union1 in Illinois is really good also. They refinanced my vehicle, issued me a regular credit card and granted me a line of credit. All of the interests' rates were lower than the standard banks. You will receive your paycheck, or pension three days early, if you have direct deposit with them.

@millionairesblvd 11 ай бұрын

Was the line of credit based on equity or what type was it?

@dlawso23 11 ай бұрын

@@millionairesblvd it was a personal loan.

@millionairesblvd 11 ай бұрын

@@dlawso23 Do they verify income? Or is it a no doc loan? Thanks

@dlawso23 11 ай бұрын

@millionairesblvd The loan is based on income and credit worthiness. It helps build your credit history also.

@millionairesblvd 11 ай бұрын

@@dlawso23 Thanks for the info

@et8865 9 ай бұрын

If i have the flagship CHECKING ACCOUNT can i downgrade to a regular free checking account?

@nicole4799 3 ай бұрын

They’ll also send you your internal score if you get approved. I applied for the More Rewards card after opening my account. Only waited for one direct deposit cycle 😅 still approved for 7100 out the gate . Internal score 210, no other products yet

@Fijidummo 11 ай бұрын

Mannn it’s crazy u have the car that want too 😭 im setting up that direct deposit RIGHT NOW lol also do they look how long you have been with the company? Im in the oilfield and making over 5500-6k a month and more if I want but would they see that as risky?

@JustMoneyish 10 ай бұрын

Sheeesh it’s my dream car! Still stock though! I have another KZfaq channel for my bmws if your interested ! I got the e92 m3 on there! And my Bmw e34 540i 6 speed! But to answer your question yes they do look at the work history bro, your making good income right now but they like seeing that you’ve been at that place for a while so they can see your not going anywhere and you can afford the car and your not a risk to them or a bad investment

@stevenroland686 25 күн бұрын

I just got my ch 13 discharged 5/19/24 a long 5 yrs done I've had navy fed checking and savings with direct for 5 yrs as well should I get a secured credit card or do the pledge loan first, trying to get my credit score back up

@TMTTucker 11 ай бұрын

Good information! Could be my phone, but when you talk in lower tones it is really hard to hear you, especially since you talk so fast. I don't mind the speed, but maintaining a higher energy in your voice all the way to the end would be helpful. Thanks!

@JustMoneyish 11 ай бұрын

Thank you and noted! Ima work on that !

@CharlesINTEL 7 ай бұрын

@@JustMoneyishactually, you're one of the few speaking at a great pace. If anything, people can slow down or increase playback speed within KZfaq settings. Please don't adjust. So many speak so slow, monotone to extend their length of their videos. A few ladies on here have good info (not as great as yours) but, they speak so slowly it's painful. I speed their playback speed. 😂

@iamchiseled 7 ай бұрын

What was your internal score when you got denied?

@BigBarizxx Жыл бұрын

Powhatan about if I had a charged off checking and credit card with navy federal can I still build a relationship with them

@karenwilliams476 4 ай бұрын

Instead of doing direct deposits. Can i just make monthly deposits Will this be a good option if i dont want to do direct deposits?

@matthewflores4120 Ай бұрын

I’m trying to get a Toyota Tacoma and want the best possible chance of a good APR ._.

@rahmelgainey600 4 ай бұрын

Can I just have a checking acct and saving , I just put money in without direct deposit

@user-wy2ds7wz7b 2 ай бұрын

What about over draft will that effect my internal score

@sjt7005 Жыл бұрын

Was your DTI less than 35% or more?

@bella50008 Жыл бұрын

Navy Federal Cash Rewards gives 1.75% cashback with Direct Deposit.

@Truckingdez 2 ай бұрын

How do you check your navy fed internal score

@Whitepinoy 11 ай бұрын

flagship checking, savings , 3k cd , two direct deposits and 680 cs I am looking to apply for one of there credit cards what do you think ?

@Lucky.420 10 ай бұрын

You should be good 👍

@Johnnathun 8 күн бұрын

I have lots of great products and accounts NFED, never a decline letter, so how do I locate my internal score?

@favoritecousin_ 2 ай бұрын

I got denied an auto loan and they mailed me. But it only gives my transunion score. Any idea why? I’ve been a member over 3 years

@JanMuGer Ай бұрын

How can I join navy federal as German if I don‘t know someone being in the us army?

@850club 11 ай бұрын

Morning Boss! Let's Collab 🙌🏿

@JustMoneyish 11 ай бұрын

👀

@rcinematic 11 ай бұрын

My jobs only gives me checks twice a month which I deposit in navy fed, my only bank. Do they still consider and look at direct deposit activity more than me depositing checks consistently? Thanks

@roger1624 5 ай бұрын

It should not matter.

@boxout90 Жыл бұрын

Does certain activity in my checking account have an affect.. I buy almost everything with my debit card

@roger1624 5 ай бұрын

I would not use your debit card in that way. Use a credit card and then just pay the credit card charge. Get your credit card points or cash back. You have very little protection using a debit card if there is something wrong with a product purchased with it vs a credit card. Plus the money is immediately withdrawn. And it is too easy for a debit card to be the victim of some scam vs a cc. At most you are liable for $50 for a fraudulent cc transaction but with a debit card you're completely out of the money.

@THEINFAMOUSJLC Жыл бұрын

The auto loan.. I want to get a personal vehicle ..

@sugarbear1225 Жыл бұрын

👍🏾

@infinitycashflow8222 Ай бұрын

Hey I am trying to get a auto loan round 7k I gt 693 trans union just a few weeks as member wit navy federal

@therealnickd3011 Ай бұрын

How do I check my internal score with navy fed?

@sir-jacquesmajor7200 Жыл бұрын

How do I check my internal score for Navy Federal credit union

@dopeboyp3487 Жыл бұрын

By applying and being denied credit. It’ll be at the top of the letter they mail to you. I haven’t seen any other ways of retrieving it.

@zhanhaynes 11 ай бұрын

Hi, should I close my Acct with another credit union? I have Chase as main bank and GNO credit union, and recently open a checking and savings at Navy Federal but I only deposited $25 or $50 in each Acct. I really want to apply for the Biz business card, so how should I proceed?

@millionairesblvd 11 ай бұрын

I wouldn’t close your account with the other credit union. To get the GoBiz credit card you’ll need to open a business account as well with NFCU first after opening a personal account.

@roger1624 5 ай бұрын

Keep your options available.

@Greenfarmer25 Жыл бұрын

I started with NF in January with a 200 secured credit card did a 1k pledge loan have checking & savings with direct deposit and 2 different certificates and I just got approved for 9400 cash rewards and I've had a 300 capital one card since December and they won't give me a limit raise with a annual fee so I'm going to close it now and maybe take a small hit on my score. But NF is the best no other Bank for me 😂

@bella50008 Жыл бұрын

Try calling in late night and speaking to a supervisor.. that's what worked for me

@dopeboyp3487 Жыл бұрын

Cap 1 is still a decent bank, and to keep diversity in my credit profile I’d keep it open. However, if you do decide to close it, pay it off first then do so soon. The sooner you close it, the sooner you’ll recover from the minor credit ding.

@henryjohnson2568 4 ай бұрын

I called navy federal and they told me there was not an actual number for “ internal points”

@ddunvideo 11 ай бұрын

Navy Federal has transformed into a new company to deal with the tremendous defaults during Covid-19. They still advertise 80k limits on the flagship but not likely anyone will get over 25k even with 10% usage and 780 fico. And forget about the pledge loans, 100k wont do you any good. You can rack up inquiries trying to get an increase if you want.

@samuelrobinson7893 9 ай бұрын

@@sinned96Nice!😁

@roger1624 5 ай бұрын

Your info is not correct. Been with them 3.5 years. Did a 9K balance transfer and pd it off

@ddunvideo 5 ай бұрын

Did you have the 45k limit before Covid-19?

@roger1624 5 ай бұрын

@ddunvideo It was 37K during Covid. I have 173K in credit limits across my cards plus an Amex Gold which is a charge card with

@roger1624 5 ай бұрын

Also, the credit limit increases with NFCU are soft pulls. All of my credit profiles are locked at each credit bureau for free. Everyone should do that and do it for your children. So, what ypu said about hard pulls is also factually incorrect.

@ProJvst Жыл бұрын

what if i don’t keep as much money in my checking’s or savings account? what will i be denied for? i been banking with navy fed for about 7-8 months now but i don’t keep as much money in either accounts

@JustMoneyish Жыл бұрын

Gotta start using them as your main bank, and set that direct deposit up. Start having a decent amount of money in both of your accounts, that should do it

@dopeboyp3487 Жыл бұрын

@@JustMoneyishGreat information brother, thanks! My employer don’t do direct deposits and it’s an all cash business. I’m a barber. Do you think regularly depositing cash could yield similar results as DD? I just began banking with NFCU a few days ago, and I already have a checking with them, along with 3 savings accounts.

@BryanCrawford-rk3ct 26 күн бұрын

Trying to get an auto loan and I'm Self-Employed but all my clients pay thru Zelle directly to my Navy Federal Account. Does anyone know if that qualifies as "Direct Deposit"???

@ronnie_patterson 11 ай бұрын

Auto loan

@user-qb8xs8iq1o 11 ай бұрын

I have direct deposit, car loan, pledge loan and a secured card with NFCU. Still can get approved for a credit card 🤦‍♂️

@user-bj2gq4pt3j 2 ай бұрын

What about now? Do you have bankruptcy? Repo? What have they tell you?

@temekajones5605 Жыл бұрын

How can I find out my internal credit score with NFCU?

@millionairesblvd Жыл бұрын

You only get your score when you apply for a new product such as a loan or credit card.

@temekajones5605 Жыл бұрын

Thank you!

@cylvaniaallen4498 Жыл бұрын

My internal score is 306. Is this a pretty good score??

@JustMoneyish Жыл бұрын

Yea your good !

@leepaynejr2589 Жыл бұрын

Yes that is good

@zhanhaynes 11 ай бұрын

How did you find out your internal score?

@cylvaniaallen4498 11 ай бұрын

@@zhanhaynes When I applied for a cc they sent it to me via mail.

@dreadjhon2382 Жыл бұрын

mines 240 😢

@stepbackzay4798 5 ай бұрын

House and a car

@averymorrison6092 Жыл бұрын

Lol is there a way to get rid of hard inquiries?

@roger1624 5 ай бұрын

Yes, let them age for 2 years and they disappear. They do not affect your score after the first year. If you have high cs hard inquiries may not effect your score much.

@Prosperous8532 6 ай бұрын

This just proves my point that everyone is just saying the same ol thing about NFCU on YT. How wouldn't you know that by not having most of your $ with them you would get denied? Who tf would even keep all their $ in a reg checking acct. That doesn’t even yield a dividend like a CU. Pointless of you to have even had a CU smh 🚮

@Weshoppingforless 7 ай бұрын

Debt consolidation

@louthelegend Жыл бұрын

looking for a mortgage loan for 250000.00 with navy fed

@JustMoneyish Жыл бұрын

You got that forsure ! 💯

@athunic5679 Жыл бұрын

How do you check your internal score?

@JustMoneyish Жыл бұрын

I explained it in a video “5 things navy federal won’t tell” it’s my most popular video, check it out !

@athunic5679 Жыл бұрын

@@JustMoneyish oh ok,thanks I will check it out

@StreamsOfLivingWater206 9 күн бұрын

Get at me I family I need a consultation

@johnwilson6211 11 ай бұрын

So many 🤖 in the comments 😂

@SunnnySkies 11 ай бұрын

If you have money, then you won’t need money. Smh

@MAMAvsGOD 11 ай бұрын

FTM ehh?? Your voice Bruh. Really??

@mrbinionsr 11 ай бұрын

I want to finance my next vehicle and refinance my income property

@CharlesINTEL Жыл бұрын

#MeTooSorryChase :D I left Chase, kept CapitalOne only because it's free Checking and an ATM a few blocks from me to help me transfer money to Navy Federal 😂

@JustMoneyish Жыл бұрын

😂😂🙌💯

@callmeNeno Жыл бұрын

Same here; love Capital One's cafe. I don't have any NFCU branches in NYC but it's my primary and direct deposit. Sometimes, i like to deposit cash, so Hybrid Capital One approach is fantastic.

@CharlesINTEL Жыл бұрын

@@callmeNeno absolutely agree on the NF (Primary) + C1 Hybrid (I'm in NJ - I access ATM's via Wawa or 7-11 stores via the NF CC $.50, if I need to. A buck a month, I don't mind. Haha, you made me Google "Capital One Cafe" What's to stop homeless hanging out or sleeping there?

@michellegibson1077 Жыл бұрын

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@CharonRhodes-zw5vo Жыл бұрын

It's a beautiful thing when people like yourself gives genuine knowledge to those who don't know and are striving to better themselves. 🫡 I have a book called Credit Secrets by Scott & Alison Hilton are you familiar with it? If so what do you think cause I haven't read it yet. Hit me up at your earliest convenience ✌️