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05-01-2013 10:40 AM
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?
05-01-2013 10:59 AM
Based on other things that I have read about NFCU,
TU - account opening
EQ - credit products/loans/etc.
05-01-2013 12:05 PM
so there's no way for you to get them to do a specific one?
05-01-2013 01:08 PM - edited 05-01-2013 01:09 PM
05-01-2013 04:15 PM
Not always true they pulled TU for me which is my highest score.
05-01-2013 05:45 PM
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.
05-01-2013 06:46 PM - edited 05-02-2013 05:21 AM
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