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Established Contributor
Posts: 1,002
Registered: ‎12-06-2011
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Re: CLI - NFCU


skyisthelimit wrote:

Well it has been over a month and CLI alongwith the new card are reporting.  There is no HP showing up on my credit report!  This makes me app'ing for cards in Jan that better of a chance to be approved!!!


 

Smiley Surprised no HPs? Did you pull all three CRs to check?

Congrats! Smiley Happy

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Valued Member
Posts: 57
Registered: ‎04-25-2012
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Re: CLI - NFCU

I spoke to an associate last night and was told if you app for multiple things, it will only count as one HP if in the same day. I'm new to NFCU, and last night: refinanced my car, my wife and I appd for nRewards(I have my own we appd for joint card), and Overdraft line of credit...all this only one HP so far has shown up on EQ and TU! {all approved, too...cut my car interest rate in half!!} I would rather eat ramen noodle and walk 20 miles to work rather than fall out of thier good graces Smiley Happy
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: CLI - NFCU


Dagansinferno wrote:
I spoke to an associate last night and was told if you app for multiple things, it will only count as one HP if in the same day. I'm new to NFCU, and last night: refinanced my car, my wife and I appd for nRewards(I have my own we appd for joint card), and Overdraft line of credit...all this only one HP so far has shown up on EQ and TU! {all approved, too...cut my car interest rate in half!!} I would rather eat ramen noodle and walk 20 miles to work rather than fall out of thier good graces Smiley Happy

I agree that NFCU is great !   However the one inquiry situation is clearly a YMMV situation ~ most people who app for mulitple products have reported getting more than 1 HP.    Hopefully you'll squeak by with just one though....let us know !

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
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Re: CLI - NFCU

op are you sure they didnt hp you. nfcu is hp happy. did you check both tu and eq reports?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: CLI - NFCU

 

I had a NFCU CSR tell me that they don't pull credit when you sign up ( they did a HP on TU for me )....so just be aware that many times CSRs are misinformed....not just at NFCU, but across the board...

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Posts: 1,002
Registered: ‎12-06-2011
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Re: CLI - NFCU


pizzadude wrote:

 

I had a NFCU CSR tell me that they don't pull credit when you sign up ( they did a HP on TU for me )....so just be aware that many times CSRs are misinformed....not just at NFCU, but across the board...


 

Same here! I applied two weeks ago and CSR told me she didn't need to HP my CR, I was happy to hear that, then last weekend I get a creditkarma alert that there's a HP, it was NFCU Smiley Indifferent and then I noticed that they SP'ed EQ too...

*sigh* I'm still waiting on my welcome letter.

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
New Contributor
Posts: 227
Registered: ‎06-09-2012
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Re: CLI - NFCU

Ok, I read some of the comments; and I only monitor Experian.  The HP doesn't show up on it, I will be pullling all 3 around nov/dec to make sure there are no issues; since I will be asking for CLI on both and apping a month later for CHASE/CITI/AMEX  (The big boys!).  Well if they pull ex, they won't see a HP on that report.  Sorry I don't have the other two reports (extra $10 bucks!) lol.

Regular Contributor
Posts: 179
Registered: ‎01-17-2008
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Re: CLI - NFCU

I app for multiple things and i got 4 HP from navyfed Smiley Mad it's ok i got 33,000 Smiley Very Happy

NAVYFED luvs to pull HP

New Contributor
Posts: 227
Registered: ‎06-09-2012
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Re: CLI - NFCU

Mr_postman did they show up on EX?

Regular Contributor
Posts: 179
Registered: ‎01-17-2008
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Re: CLI - NFCU


skyisthelimit wrote:

Mr_postman did they show up on EX?


NO boss nothing on EX only EQ navyfed only pulls EQ here in CALIFORNIA

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