We paid off a new car loan through navy federal, never missed a payment and actually paid it off really early! We paid off a small personal loan through navy federal. Never missed any payments. We now have a credit card through them. Never missed a payment. We went to them in hopes to get a home mortgage. They are pulling up things on our credit report from 6 or more years ago, and saying we probably won't be pre-approved. Yet FICO score is 667. I don't understand. We have been loyal to NFCU for over 5 years! (2 of the things on the credit report are coming off in about 3 months too)