Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: Approved refi with NFCU

SFarrow11 wrote:

Congrats!  I am looking to use them to finance an auto next month.  I am not member yet, but I am eligible for membership.  When you joined, did they do a hard pull?  If so I will wait until I am ready to finance.  Thanks.

In my case, I incurred a HP to join, a HP to refinance the truck which was purchased in 2011...  went from 7.5% to 4.09% on rate for a loan with a balance of 19k... I also shaved one year off of the note by refinancing to a 36 month loan; I also incurred a HP to add the credit card that I was pre-approved for after submitting my paperwork for the Refinance.   I was approved for the credit card with a credit limit of 22k.  


In my case, all three HPs were well worth it!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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