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Regular Contributor
Posts: 170
Registered: ‎03-25-2013
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Choosing which bureau you want pulled with NFCU

I've read that some companies will allow you to pick the Credit Bureau they pull from if you request it. Is this something NFCU is known to do or not? I just decided to order my Transunion FICO score and it's a 614 whereas my Equifax is a 563. I know they either choose from one of those normally EQ for CC's and they pulled my Transunion for my checking/savings account. Would I have any look in telling them to pull Transunion for a CC app too?


Starting Score: 03/29/2013 540 EQ 05/01/2013 614 TU 05/30/2013 606 EX (Lender Pull)
Current Score: 07/27/2013 639 EQ 07/27/2013 651 TU98 07/27/2013 650 TU04 07/27/2013 617 EX V2 07/27/2013 639 EX 08
Goal Score: 660 EQ 660 TU 660 EX


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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Choosing which bureau you want pulled with NFCU

Based on other things that I have read about NFCU,

 

TU - account opening

 

EQ - credit products/loans/etc.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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My Journey
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Posts: 27,207
Registered: ‎09-13-2012
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Re: Choosing which bureau you want pulled with NFCU

Regular Contributor
Posts: 170
Registered: ‎03-25-2013
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Re: Choosing which bureau you want pulled with NFCU

so there's no way for you to get them to do a specific one?


Starting Score: 03/29/2013 540 EQ 05/01/2013 614 TU 05/30/2013 606 EX (Lender Pull)
Current Score: 07/27/2013 639 EQ 07/27/2013 651 TU98 07/27/2013 650 TU04 07/27/2013 617 EX V2 07/27/2013 639 EX 08
Goal Score: 660 EQ 660 TU 660 EX


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Valued Member
Posts: 37
Registered: ‎10-13-2010
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Re: Choosing which bureau you want pulled with NFCU

[ Edited ]

See this thread from last June.

 

tl;dr: yes, you can (or at least you could back then)


Starting Score: 461 (EQ 10/2012)
Current Score: EQ 622
Goal Score: 660


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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Choosing which bureau you want pulled with NFCU

AFAIK you cant. They pull EQ for credit products.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
Posts: 32
Registered: ‎04-29-2013
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Re: Choosing which bureau you want pulled with NFCU

Not always true they pulled TU for me which is my highest score.

| NFCU Platinum Visa 14K | NFCU NavCheck 13.5K | AMEX BCE 9.6K |
| USAA Rewards Visa 7K | USAA Cash Rewards Visa 7K | Discover it 1.5K|

NOV 2013 TU -739 EQ - 709 EX - 739
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Choosing which bureau you want pulled with NFCU


Blu3 wrote:

Not always true they pulled TU for me which is my highest score.


When did you apply?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,051
Registered: ‎05-20-2010
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Re: Choosing which bureau you want pulled with NFCU

From my experience, they pull EQ about 90% of the time for credit and loan products. But they have pulled TU on me before. My last CLI request a couple of weeks ago was a TU pull. Which was really unexpected since they did EQ for me in the past. IIRC, my auto loan was a TU pull a few years ago. EX they don't normally touch...but I have seen rare instances where other members did get an unexpected EX pull.

TU: 603 – EQ: 569 – EX: N/A – May 2010

Valued Member
Posts: 32
Registered: ‎04-29-2013
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Re: Choosing which bureau you want pulled with NFCU

[ Edited ]

I applied last week for both membership and Platinum Visa and got two TU pulls. I was also hoping they pulled TU because that is my highest score and I had 0 inquires on that report. I guess I just got lucky. They also pulled my TU for the NavCheck I applied for today :smileyhappy:

| NFCU Platinum Visa 14K | NFCU NavCheck 13.5K | AMEX BCE 9.6K |
| USAA Rewards Visa 7K | USAA Cash Rewards Visa 7K | Discover it 1.5K|

NOV 2013 TU -739 EQ - 709 EX - 739
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