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NFCU AU vs Co-Applicant??

Regular Contributor

NFCU AU vs Co-Applicant??

Hi all,

 

I just received the NRewards Visa on my own. I don't want to have my credit pulled again so my question is....

If my husband applies for the Visa and MC and Navchek LOC can I be a Co-Applicant without my income or credit being pulled/verified just his if he is primary applicant? And is it a different process from applying for a CC to LOC? I want to up my CL and don't know which way would be best to do that. Any feedback is greatly appreciated!Smiley Happy

5 REPLIES
Regular Contributor

Re: NFCU AU vs Co-Applicant??

Anyone?

Regular Contributor

Re: NFCU AU vs Co-Applicant??

navy will pull your cr

 

Regular Contributor

Re: NFCU AU vs Co-Applicant??

loc and cc is two different pulls

 

Regular Contributor

Re: NFCU AU vs Co-Applicant??

So if I'm not the primary applicant they will still pull my credit? That stinks!

Senior Contributor

Re: NFCU AU vs Co-Applicant??

as co-applicant you are just as responsible for the debt as the primary applicant, which is why they pull your credit.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.