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Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Does NFCU hard pull for joining (membership) without credit application?

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.

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Regular Contributor
Posts: 215
Registered: ‎04-21-2009
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Re: Does NFCU hard pull for joining (membership) without credit application?

[ Edited ]

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.

Message Edited by virgoprincess823 on 06-24-2009 07:17 PM
Established Contributor
Posts: 545
Registered: ‎03-20-2009
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Re: Does NFCU hard pull for joining (membership) without credit application?

[ Edited ]

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. 

Message Edited by mt2va on 06-24-2009 11:11 AM
Starting Scores 10/12: EQ 460 (FICO)/TU 502 (FAKO)/EX 474 (FAKO)
Current (7/14): EQ 572 (FICO)/TU 624 (FICO)/ EX 612 (FICO)



Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
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Re: Does NFCU hard pull for joining (membership) without credit application?

Just joined  RBFCU and they did a hard pull on TU.  They told me upfront that they would.  IMHO these days a checking account would get you a hard INQ.
11/28/2014 FICO: EQ: 796 EX:788 TU:803
Regular Contributor
Posts: 104
Registered: ‎08-01-2008
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Re: Does NFCU hard pull for joining (membership) without credit application?

I joined NFCU last month with savings and checking accounts. Did not have a hard inquiry for either account.
Regular Contributor
Posts: 161
Registered: ‎02-23-2010
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Re: Does NFCU hard pull for joining (membership) without credit application?

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.

Starting July 2012: 583 (myFICO Eq);
Current 11/2013: 719, (Lender Pull Eq) 690 (FICO Eq) 719 (WM TU)
Goal: 750 by 12/2014 & possibly new mortgage

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New Contributor
Posts: 74
Registered: ‎03-24-2009
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Re: Does NFCU hard pull for joining (membership) without credit application?

I joined two weeks ago.  No hard for the membership pull. 

Regular Contributor
Posts: 161
Registered: ‎02-23-2010
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Re: Does NFCU hard pull for joining (membership) without credit application?

Thanks!

Starting July 2012: 583 (myFICO Eq);
Current 11/2013: 719, (Lender Pull Eq) 690 (FICO Eq) 719 (WM TU)
Goal: 750 by 12/2014 & possibly new mortgage

NFCU Cash Rewards 17,500 ~ Care Credit $13,200 ~ Home Depot 8,000 ~ Sam's Club $6,000 ~ Walmart 3,100 ~ US Bank 2,000 ~ Victoria's Secret 1730 ~ Capital One 1500 ~ Target 1,000
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: Does NFCU hard pull for joining (membership) without credit application?

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.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
Posts: 165
Registered: ‎03-22-2009
0

Re: Does NFCU hard pull for joining (membership) without credit application?

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.

EQ: 801!
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