NFCU

[mskarma]

So I joined NFCU about two weeks ago. I though they would instrumental in my rebuilding.

I did not apply for any credit at this time, I am following the advice of Soulmaster and doing some gardening and building a relationship before applying.

But, my point of the post was that I pulled my reports today (I get 3 reports per month for all 3 CB's as part of my American Express credit secure) and found that NFCU did NOT hard pull me for joining.

So, I looked in the dispute section of Equifax (this will let me see soft pulls) and there it was listed as a soft pull.

[SoulMaster]

Wow.  That's crazy!

-SM

[Scupra]

That is very odd! For me it has a HP on TU for membership and EQ for credit products and every time I spoke their name Just kidding, but really...they are HP happy!!

[mskarma]

I wonder if it's because DH joined and added me as a joint account holder in his account and then I opened my own accounts?

[Scupra]

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@mskarma wrote:
I wonder if it's because DH joined and added me as a joint account holder in his account and then I opened my own accounts?

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Who knows, NFCU has a mind of their own! Make sure to check the "my offers" tab for any CC offers. Have not heard of a person that had a pre-approved offer in there and then get turned down. NFCU just upped DW's CL this morning, love them!

[SoulMaster]

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@mskarma wrote:
I wonder if it's because DH joined and added me as a joint account holder in his account and then I opened my own accounts?

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Ok.  It's a whole lot less crazy now.   They already have a relationship w/ you via the joint.

Moving on...  ;-)

-SM