Just curious if NFCU does the same as Alliant and PenFed - hard pull for membership/savings? I joined and app'ed for several credit products, so I'm not sure what inq's were for what.
Have a friend that wants to join (is qualified) but doesn't want to apply for credit or get hard inq because is planning to close on a refi in the next 60 days. I couldn't say for sure on the inq for just joining and starting savings/checking.
Doesn't look like they do a hard pull for opening an account. I have 2 hard pulls on my report from them , 12/08 applied for CC, and 06/09, applied for CC. I have soft pulls from 5/09 when they do their periodic review. I've been with them since 10/08. When I opened the account looks like they did a soft pull.
When I joined I only opened a savings account & there was no hard pull. This was back in March. I think they have softed me since. I have 3 hard pulls for my Visa, MC, & auto re-fi I'm working on. (which sucks but if my re-fi is approved I don't plan to app for anything for a long time)
I've opened several bank accounts in the last 3-4 months (for bank bonuses) & found that most only do a hard if a checking account is involved. I think I only had 1 do a hard for a savings account only.
Has anyone had experience with this lately? I really want to join (no credit products yet) , but should be closing my mortgage within a month so didn't need a hard.
No hard or soft for me when I opened checking and savings this past fall.
This is an older thread that was brought current again to check for possible changes, btw.
Navy does an Equifax soft pull when you open accounts.
And when you apply for loans or CC, they do a hard Equifax-only pull usually I think, unless it is on ice then they will try to hard EX or TU.