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💫 Summary
The video explains how to find and improve your Navy Federal internal score, emphasizing that it is not a one-time thing and needs continuous monitoring. It details the steps to obtain your score, including applying for credit and reviewing your score, and provides tips on how to improve it by maintaining financial responsibility and addressing reasons for credit card denials. Additionally, it highlights the importance of understanding the components of the internal score and emphasizes the correlation between FICO score and Navy Federal internal score.
✨ Highlights📊 Transcript
The video discusses how to find and improve your Navy Federal internal score, emphasizing that it is not a one-time thing and is continuously used by Navy Federal to track creditworthiness.
00:00
The Navy Federal internal score is a dynamic tool used by Navy Federal to track creditworthiness.
Checking your FICO score is the first step in finding your Navy Federal internal score.
There is a positive correlation between your FICO score and your Navy Federal internal score.
The Navy Federal internal score takes into account credit matters, banking history, and data from the individual's FICO score.
09:39
There needs to be a positive correlation between the Navy Federal internal score and the individual's credit score.
The components of the Navy Federal internal score include utilization or revolving account credit lines.
It is important to keep the credit utilization ratio below 30% for a better Navy Federal internal score.
It's important to know your TransUnion score as Navy Federal primarily pulls from it, and it can be obtained through annualcreditreport.com or purchased for more accuracy.
13:00
Navy Federal pulls from TransUnion as their primary bureau.
TransUnion score is made up of payment history, balances, age of credit history, credit diversity, and inquiries.
Differences in scores between TransUnion, Experian, and Equifax are normal due to different models used.
Accurate inputs are important for accurate score calculation.
To improve your Navy Federal internal score, focus on financial responsibility and your relationship with Navy Fed.
16:09
Your bank history and credit history should go hand in hand.
Make all payments on time, including overdrafts and other payments.
Establish a good report with Navy Fed by maintaining a positive banking relationship.
Have at least two accounts with Navy Fed (savings and checking) and set up direct deposit for a stronger relationship.
Reasons why you may be denied a credit card and how to improve your chances of approval
19:21
Denial letter will state reasons for denial
Reasons for denial can include high balances, too many credit cards or inquiries, low income, short credit history, recent delinquencies, collections, or charge-offs
Ways to improve your chances include increasing income, reducing credit utilization ratio, applying for credit sparingly, and asking for reconsideration if there was a mistake during the underwriting process
00:00I want to talk to you about a very
00:02important topic your Navy Federal
00:04internal score so in today's
00:05conversation I want to explain to you
00:07how to find your Navy Federal internal
00:10score and how to improve it over time
00:12what they never told you all those years
00:14and today I'm going to spill all the
00:16bins you need to have so that you can
00:17actually clearly understand how things
00:19work so I want you to really stick
00:21around till the end of today's
00:22conversation
00:26[Music]
00:31[Music]
00:35[Applause]
00:37[Music]
00:41[Applause]
00:44[Music]
00:51one in a million welcome back to another
00:55edition of the awesome story can we show
00:56how are you today I hope you're all
00:58doing fantastic I'm doing marvelous if
01:00you ever asked me if you are doing as
01:02great as I am go grab a cup of coffee or
01:03a tea or vodka and let's roll
01:06[Applause]
01:07in today's conversation I want to talk
01:09to you about your Navy Federal internal
01:11score how to improve how to find it okay
01:14so what they never told you all those
01:16years and that you now must know first
01:18thing first if everybody out there is
01:20talking to you about Navy Federal
01:22internal score is a one-time thing which
01:25is here to tell you and we've been
01:26actually been members of Navy Fed for 30
01:28years please it is a lie Navy Federal
01:32your internal score is not a one-time
01:34thing it is a continuous thing okay if
01:37everybody wants to wrestle Dazzle you
01:39and say well you know Navy Federal is
01:41going to spend millions of dollars on a
01:43program and only use it once they are
01:46totally out of their mind so I just want
01:47to clarify that your Navy Federal
01:49internal score is the live thing it is a
01:52dynamic thing that's it that's one of
01:55the tools they use to track Members
01:57Credit worthiness okay
02:00one thing I want to say here is that you
02:01want to start first by checking your
02:03FICO score if you're trying to find your
02:05Navy Federal internal score you got to
02:07check your FICO score why because there
02:09is a positive correlation based on our
02:11research between your faculty score and
02:13your Navy Federal internal score okay so
02:16when we talk about checking your focus
02:17score I'm not just asking you to uh go
02:20see your number and see okay you know I
02:21have a 750 or whatever no you want to
02:24strategically do things first of all you
02:26want to check your final score second
02:28you want to see if there are any
02:29derogatory items any adversarial
02:32elements on your focal score that could
02:35actually derail your FICO score but also
02:37your Navy Federal internal score
02:38remember I say there is a positive
02:41correlation between those two numbers
02:43okay and there are a lot of ways to
02:45check your FICO score you can even start
02:46with Navy Federal they have they give
02:48you access to your free to your credit
02:50score for free okay you can monitor that
02:52you can use the
02:54annualcreditreport.com there are a lot
02:56of other ways you have a credit karma
02:58you have a nerd wallet you have wireless
03:00so there are a lot of ways that you or
03:02that you can actually check your credit
03:04report and score it for free what I'm
03:06trying to say here is that a lot of
03:07people ask us oh well do I want to
03:09monitor my credit score every day or
03:11every week or listen the frequency
03:13doesn't matter but based on our research
03:16once every two weeks or once a week if
03:18you're really quote unquote aggressive
03:20you can check your score once a week
03:23it's all about what really matters to
03:24you right if you're trying to to uh to
03:27to be a financially responsible some
03:30people even check their credit score
03:31every day I mean it's all about what
03:33really motivates you so long story short
03:35you want to check your Falcons score
03:37that's the first step you got it you got
03:39to take if you're trying to find your
03:40Navy Fed internal score and improve it
03:43thank you
03:48the second step that's very important
03:51actually when it comes to a
03:53finding your Navy Federal internal score
03:55you need to apply for credit there are
03:57three ways there are three ways I want
03:59to you know specify that there are three
04:01ways you can get your Navy Fed internal
04:03score the first way is you need to apply
04:05for a credit card and be denied that's
04:07not that's the unfortunate way but
04:09that's the way that a lot of folks
04:10should know in other words you apply for
04:12credit card and they just deny your ads
04:14what will happen here is that they will
04:15send you a letter they'll send you a
04:16denial a denial letter and they will
04:18show you on the letter Hey listen we
04:20have actually you know rejected your
04:22your application because your Navy
04:24Federal internal score is kind of low
04:25the score goes from 100 to 450 and here
04:29is yours and they explain to you so
04:31that's the first option you actually
04:33find your Navy Federal internal score
04:35the second option is you can apply for
04:37what we call a large loan and by the way
04:40folks everything I'm telling you today
04:41we have we have actually done this over
04:45several years even decades okay you have
04:48to apply for a large loan quote unquote
04:50large loan for example a mortgage or a
04:54car loan when you apply for that you can
04:56ask them you can ask during the
04:58underwriting process don't wait until
05:00you are denied to ask for it no you got
05:04to ask when we talk about Navy Federal
05:05internal scores they're not just giving
05:07it to you you got to specifically ask
05:09for the score so you ask during the
05:11underwriting process like let's say for
05:13a mortgage for instance you might want
05:15to be to have a pre-approval letter
05:17right so you know at least maybe if it
05:19has already approved has already
05:21pre-approved you before you start
05:23looking for the property right so that's
05:25the phase where you ask them
05:26specifically what is my internal score
05:29and they'll give it to you okay same
05:31thing for a car loan when you're
05:32applying for a car loan during the
05:34underwriting process you ask for your
05:36Navy Federal internal score and they'll
05:39give it to you that's the second option
05:40the third option is ask directly at a
05:43branch don't
05:45ask over the phone they're not going to
05:47give it to you because a lot of times
05:48those in every Federal and those in
05:50every Federal uh reps on the phone they
05:52have no idea you go to a branch and you
05:55you ask to speak to let's say a loan rep
05:57or credit card rep and you ask
05:59specifically about your Navy Federal
06:01internal score now the trick is you have
06:03to justify why you want to have that
06:05data because it is a data that Navy
06:07Federal uses for their own thing so you
06:09got to justify why maybe you can say
06:11well I'm thinking about applying for a
06:13credit card or or a mortgage or a car
06:16loan but yeah you got to justify you
06:18have to give the rationale why you want
06:19to have that that number so long story
06:22short there are three ways you can find
06:24your Navy Federal internal score apply
06:26for a credit card and be denied
06:28unfortunately or you can apply for a
06:31large loan AKA mortgage or car loan or
06:35you ask directly at a branch one thing I
06:37want to say is you need to think about
06:39your needs when you when you talk to
06:41Navy Federal and ask them to give you
06:42your your uh your internal score okay
06:46think about your needs you got to also
06:48uh check if if there is a way to
06:52actually uh get that data at that score
06:55and then try to monitor it what I'm
06:57trying to say here is that this this
06:59when you ask for the Navy Federal
07:01internal score it is a one-time thing
07:03but it's up to you to actually uh put in
07:05place a system where you are continually
07:07checking your your your score and
07:10improving it
07:17the third thing I want you to
07:20do is to review your score so when you
07:22receive your internal your Navy Federal
07:24internal score when they give it to you
07:26it could be uh 350 or 4 400 or or 275 or
07:32whatever it's kind of cool okay you got
07:35the data okay now you have you have a
07:37starting point I don't want you to just
07:39to sit on your ass and not do anything
07:40because everything starts from Once you
07:43receive the data you got to take action
07:44so you need to do a ratio between your
07:47FICO score and your Navy Federal
07:49internal score
07:51let me repeat that I want you to do a
07:53ratio to calculate a ratio between your
07:55focal score and your Navy Federal
07:56internal score those two numbers must be
07:59positively correlated there has to be a
08:01strong positive correlation between your
08:03Navy Federal internal score and your
08:04faculty score
08:06just for for your info FYI your FICO
08:10score goes from 300 to 850. your nfcu
08:14and internal score goes from 100 to 450
08:17okay and so there has to be a strong
08:20correlation example let's say that Euro
08:23faculty score is 7.25 and your Navy
08:26Federal internal score is 200 run off
08:29the bat you can see that there is a an
08:31inverse relationship between a focus
08:34score and uh your your
08:36maybe fed internal score right because
08:38if you are at 7 25 in other words you
08:40have good credit on the FICO on the
08:43Falco Continuum you cannot be uh you
08:45cannot have a bad quote-unquote bad Navy
08:47Federal internal score at 200 no so if
08:50you have if you are a 725 you should be
08:53if you're 725 on the Falco Spectrum you
08:56could you should be around 375 or 350 on
08:59Navy Fed Spectrum okay now if you have
09:02more questions about this particular
09:04calculation please drop us your your
09:06question below and we'll actually answer
09:08you because there are a lot of ways you
09:10can actually establish that positive
09:12correlation this is very important okay
09:14the positive correlation is very
09:16important if that positive correlation
09:18is not there I want you to check your
09:20FICO score because Navy Fed pulls data
09:24partially from your FICO score to
09:26calculate their own internal score
09:28basically they pull data from your uh
09:31relationship with them your payment
09:33history with them and they also pay
09:35attention to your uh attract stories
09:37with them yeah yeah because people think
09:39that Navy Federal General score only
09:42accounts for credit matters no they they
09:44pay attention also to your banking
09:47history with them and they also pull the
09:49data from your uh parkour score so it's
09:52very important I want to emphasize that
09:53there has to be a positive correlation
09:56between the two scores
10:03the thing I want you to do next I want
10:06you to really have an in-depth
10:08understanding of your Navy Federal
10:10internal score I'm speaking here about
10:11granularity boss I'm talking about
10:14detail you got to have a clearer and a
10:17clear understanding of what we're
10:19talking about what are the components of
10:21your Navy Federal internal score
10:22there are a few of them but the most
10:24important ones are four four
10:27they call some they have something
10:28called utilization or revolving account
10:30credit lines in the last three months in
10:33other words you're looking at your your
10:34revolving credit lines credit cards and
10:37lines are correct okay so let's see your
10:39credit utilization ratio what one thing
10:41you want to do is you want to keep it
10:43below 30 we've talked about this before
10:45but this is really important you know
10:47don't let anybody try to wrestle Dazzle
10:49you and tell you well you know if you're
10:50a 40 that's fine if you are 50 that's
10:53fine no no no way Jose you want to keep
10:56it below 30 the lower the better when we
10:58talk about utilization we are talking
11:01about a um a metric that is inversely
11:04correlated to your faculty score or Navy
11:07Federal internal score now point is the
11:10lower your utilization the better it is
11:13for your Navy Federal internal score and
11:15or your faculty score so that's the
11:18first thing the second element is number
11:20of recent inquiries on your credit
11:22report that's the second components of a
11:25Navy Federal internal score so Navy Fed
11:27is basically looking at the inquiries
11:29that you have on your on your FICO score
11:30on your faculty report right there okay
11:32on your credit report in other words
11:34they just uh they just want to establish
11:37whether you're just applying for
11:39for credit all the time or you're just
11:41being strategic which which you should
11:44be when it comes to a plan for credit
11:46okay so the number of recent inquiries
11:48on your credit report is very important
11:50they also look at your uh the length of
11:53your credit experience so if you have
11:55limited create experience this could
11:57adversely actually act against your
12:01ability to raise your your Navy Federal
12:03internal score okay so the longer your
12:06credit experience the better it is for
12:08your Navy Fed internal score and they
12:10also pay attention to the ratio of
12:12accounts open in the last 24 months to
12:15all accounts in other words again they
12:17want to go back and say okay does this
12:19applicant open credit cards and lines of
12:22credit and loans all the time or this is
12:24someone who's been strategic okay
12:26because when you really think about it
12:28the more you apply for credit the worse
12:31it is for you unless you have a a good
12:34income to back it up right so those are
12:37the four things they kind of pay
12:38attention to utilization or revolving
12:40account creditlines in the last three
12:42months number of recent inquiries on
12:44your credit report limited credit
12:46experience or length of credit
12:48experience and the ratio of accounts
12:50open in the last 24 months to all
12:52accounts
12:58one thing I want you to do and that's
13:00the next step here I want you to know
13:02Transunion and this is very important
13:04because a lot of people say well why do
13:06I need to know a TransUnion score
13:07whatever well boss the reason is that
13:10Navy Fed is going to pull your Navy Fed
13:12pools TransUnion that's the primary
13:15Bureau that they put okay and we have
13:17seen based on our research in very
13:20exceptional cases they might pull
13:21Experian and Equifax but they primarily
13:25and exclusively okay pull TransUnion so
13:28it is really important for you right now
13:30to actually uh understand what's in your
13:32transfusion score right that's what it
13:35is if you're trying to have a a
13:36one-on-one relationship with navy fan in
13:39other words even if you fade Navy Fed is
13:41going to play a primary role in your uh
13:43I would say in your uh Financial
13:46accounts then you need to have a clear
13:48idea of your TransUnion score now your
13:51TransUnion score actually is is made up
13:55of several things your payment history
13:57your balances are how much you owe in
14:00general
14:01the age of your credit history
14:03no credit or inquiries and the different
14:06types of credit you have so that's what
14:08we call Credit mix or credit diversity
14:11so this is really important okay and one
14:13thing I want to say here is that there
14:15might be some differences between your
14:17Tu Your trans student credit score and
14:20your experience or Equifax credit score
14:23this is totally normal because those
14:25viewers they use different models and
14:27the quantitative I would say
14:29quantitative um yeah quantitative models
14:31to calculate the credit score the thing
14:33is you have to actually be aware of this
14:36and see if there are differences when we
14:38analyze credit scores and credit reports
14:41based on our research we don't analyze
14:43the numbers we analyze the inputs
14:45because the inputs if you have the
14:48accurate inputs then you trust the
14:50system that the system will actually
14:51give you the right output right so one
14:54thing I want to say here is that you can
14:55actually uh get your TransUnion credit
14:58score through
15:00annualcreditreport.com okay but I
15:02wouldn't mind at least for us if you are
15:05serious about your relationship with
15:07navyfit I wouldn't mind if I were you
15:09actually paying for a TransUnion credit
15:12report from TransUnion themselves okay
15:15that way you have a accurate data and
15:17you you can say okay you uh this is this
15:20is my score this is the score Navy Fed
15:22is looking at and I'm going to try to do
15:23everything to improve it uh we know
15:25people who actually have a subscription
15:27to TransUnion to actually access their
15:29event their advantage score all the time
15:32okay there is a there's a service called
15:34TransUnion credit monitoring that allows
15:36you to have access to your Vantage score
15:38all the time okay so this is kind of
15:41cool vintage score 3.0 all the time
15:43I'll be right back right after this
15:45don't go anywhere
15:45[Music]
15:46[Applause]
15:50[Music]
16:06welcome back folks to another session of
16:08the awesome story can we show we are
16:09still having a conversation today about
16:11your Navy Federal internal score how to
16:13finding how to improve it now I want to
16:15talk to you about how to improve your
16:16score how to actually increase it well
16:19it's important that when we talk about
16:21Navy Federal uh internal score it all
16:23starts with what financial
16:24responsibility but it's all about
16:27financial responsibility it always
16:29starts with your relationship also with
16:31Navy Fed in other words you got to look
16:33at two things you know that's what we
16:34call the uh the importance of a duality
16:37with navy fit you got to look at your
16:39bank in history you got to look at your
16:41credit history those two have to have
16:43those two elements have to go hand in
16:45hand they have to work in tandem they
16:47have to work in tandem for you okay so
16:49when I'm talking about increasing your
16:51faculty your Navy Federal General score
16:53this is 10 amounts in my in Matthew this
16:56is a synonymous with you trying to work
16:58on those two elements okay you need to
17:00actually make all your payments on all
17:02the time
17:03and I'm not I'm not just talking about
17:05your Navy Fed payments all payments okay
17:09including the overdrafts that's what we
17:11talk about on the banking side see you
17:14got to simultaneously look at your uh
17:16you got to simultaneously establish a
17:18good report with Navy Fed in terms of
17:20your banking relationship with with them
17:22making sure that you don't have bounce
17:24checks trying to play games with them
17:26when it comes to actually uh
17:27replenishing your accounts when your
17:30account is in the red right this will
17:31that's why we say that you need to have
17:33a two accounts at least with navy fan a
17:36savings account and a checking account
17:38that's what we always say you need to
17:39have direct deposit so you see there's
17:42nothing better
17:43than direct deposit when it comes to
17:45creating and strengthening a
17:48relationship with the financial
17:49institution very important okay so when
17:52you think about it you're probably
17:53thinking you know I'm just going to open
17:56an account whatever and then I'm just
17:57going to fill that account with cash
17:59from time to time no you want to
18:02establish frequency regularity you want
18:05to have a pattern of a money coming in
18:07cash flow cash flows cash flows that's
18:09what we like that's what Navy Federal
18:11relax okay so keep your balances as low
18:15as you can in terms of credit you want
18:17to open new accounts sparingly okay
18:19these sparing be strategic when it comes
18:21to opening new accounts be mindful of uh
18:24be mindful about closing long-standing
18:26accounts okay because the thing here is
18:29that their history the history of a
18:31long-standing accounts may be reflecting
18:33positively in your score okay so the
18:36whole thing here is that if you want to
18:37improve your Navy Fed internal score
18:39long story short pay attention to your
18:41FICO score and also pay attention to
18:43your banking relationship with navy fit
18:46foreign
18:53close to this conversation let me just
18:55uh give you a few Pro tips okay and it's
18:58important to understand that when you're
19:00when you're Navy Federal internal score
19:02is kind of low they will deny your
19:05credit card application okay and one
19:07thing you have to understand here is
19:09that there are a lot of things you can
19:10do when you are denied for a credit card
19:13application the first thing you should
19:15do is not panic okay people just walk
19:17around and just like oh yeah you know
19:19they have denied my ass whatever you
19:20know I can't
19:21blah blah blah blah blah listen and it's
19:24not the end of the world things you can
19:26actually rebound you need to improve
19:28your
19:30first of all you need to understand why
19:32they actually deny you because they'll
19:33send you a letter they'll tell you Hey
19:35listen we believe blah blah blah okay so
19:37you have to work on those reasons on the
19:39credit card application I mean on the
19:41denial letter okay there are denial
19:43there are reasons on that letter and so
19:45you have to work on those uh those uh
19:47reasons now there are a lot of reasons
19:49why you might be denied a credit card
19:50High balances too many credit cards or
19:53inquiries okay we have low income or you
19:56have a short credit history that's what
19:58I was talking about earlier when I said
19:59your length of credit history okay or if
20:02you've had some recent delinquency
20:04unfortunately if you ever had some
20:06recent delinquencies or collections or
20:09charge-offs this could have a
20:11detrimental effect on your ability to
20:13get a credit card however the thing here
20:16is that you have a chance now that you
20:19you have a chance to work on those items
20:21for example low income low income you
20:24can actually work hard to improve your
20:26income and in other words you can get a
20:28second job or you can apply for a credit
20:30part that actually has a lower
20:31requirements for income for example if
20:34we're talking about too many credit
20:35cards or inquiries well you can just
20:37reduce you can apply for credit
20:39sparingly
20:40so you don't have to make inquiries on
20:42your credit report okay if we're talking
20:44about higher balances you have a way to
20:46actually lower your credit utilization
20:49ratio over time so those are a little
20:51those are little things very important
20:53things that can gradually improve your
20:56odds when it comes to being approved for
20:58a credit card or a line of credit okay
21:00and I just also want to say that when
21:03you are rejected for a credit card don't
21:06forget that you can always ask for every
21:08consideration
21:10a lot of Institutions have that the
21:12process in place where you can re you
21:14can ask them to reconsider your
21:15application if you believe that there
21:17has been a mistake during the uh during
21:19the
21:20underwriting process
21:27thank you so much for your attention I
21:30really appreciate it into this
21:31conversation I was talking to you about
21:33the how to find your Navy Federal
21:35internal score okay how to improve it
21:37and what they never told you all those
21:39years and then you now you now must know
21:41so step number one check your FICO score
21:45number two apply for credit number three
21:48review your score number four understand
21:51number five you have to know TransUnion
21:53number six you need to increase your
21:56score and number seven I give you a few
21:58Pro tips thank you so much for your
22:00attention I'll see you next time but
22:01until now until then brother
22:04stay marvelous
22:06[Applause]
22:12[Music]
22:20foreign
22:22[Music]
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FAQs about This YouTube Video

1. What is the Navy Federal internal score?

The Navy Federal internal score is a credit scoring system used by Navy Federal Credit Union to assess the creditworthiness of its members. It is an internal scoring model that evaluates the credit history and financial behavior of members to determine their creditworthiness.

2. How can I find my Navy Federal internal score?

You can find your Navy Federal internal score by logging into your Navy Federal Credit Union account and accessing the credit score feature. The score can also be found on your account statements or by contacting Navy Federal's customer service.

3. What factors affect the Navy Federal internal score?

The Navy Federal internal score is affected by various factors, including payment history, credit utilization, length of credit history, new credit accounts, and types of credit used. It is essential to maintain a positive payment history, keep credit utilization low, and have a mix of credit types to improve the score.

4. Why is it important to monitor the Navy Federal internal score?

Monitoring the Navy Federal internal score is important because it provides insights into your creditworthiness and financial health. It helps in identifying areas for improvement, understanding the impact of financial decisions, and taking proactive steps to maintain or improve the score for future financial opportunities.

5. What are the similarities and differences between the FICO score and the Navy Federal internal score?

The FICO score and the Navy Federal internal score are both credit scores used to assess creditworthiness, but they have differences in the calculation model and specific components. While the FICO score is widely used by lenders, the Navy Federal internal score is specific to Navy Federal Credit Union and may focus on different factors for evaluation.

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