06-24-2009 08:57 AM
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.
06-24-2009 09:57 AM - edited 06-24-2009 04:17 PM
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.
06-24-2009 11:09 AM - edited 06-24-2009 11:11 AM
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.
06-24-2009 11:25 AM
03-17-2010 09:08 AM
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.
03-17-2010 04:54 PM
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.
03-17-2010 05:05 PM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.