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Moderator Emerita
LilMirth
Posts: 3,091
Registered: ‎08-09-2008

Re: NFCU CLI

They always pull EQ, Mo.


BungalowMo wrote:
Who did they pull??

 

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Valued Member
boilerette
Posts: 31
Registered: ‎08-04-2007

Re: NFCU CLI

I have been an NFCU member since I was a baby ;-)  About 3 years ago I got a ".25% loan discount" coupon for my 25th anniversary of membership.  Bought a car with it.  NFCU couldn't give me "instant" credit even with my 796 score :-)  But that could because I have stopped soft inquiries, and I actually never saw a hard inquiry on my report.  I was trying to apply for a cash rewards card over the standard platinum I have now.f

 

BTW... who needs $50k in available credit??

Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: NFCU CLI


boilerette wrote:

I have been an NFCU member since I was a baby ;-)  About 3 years ago I got a ".25% loan discount" coupon for my 25th anniversary of membership.  Bought a car with it.  NFCU couldn't give me "instant" credit even with my 796 score :-)  But that could because I have stopped soft inquiries, and I actually never saw a hard inquiry on my report.  I was trying to apply for a cash rewards card over the standard platinum I have now.f

 

BTW... who needs $50k in available credit??


 

Me!  :smileywink:

 

It's like owning a Corvette with 500 hp.  You might not actually use its full potential, but it sure is fun to have and drive!

 

 

 

 

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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
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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: NFCU CLI


txjohn wrote:

boilerette wrote:

I have been an NFCU member since I was a baby ;-)  About 3 years ago I got a ".25% loan discount" coupon for my 25th anniversary of membership.  Bought a car with it.  NFCU couldn't give me "instant" credit even with my 796 score :-)  But that could because I have stopped soft inquiries, and I actually never saw a hard inquiry on my report.  I was trying to apply for a cash rewards card over the standard platinum I have now.f

 

BTW... who needs $50k in available credit??


 

Me!  :smileywink:

 

It's like owning a Corvette with 500 hp.  You might not actually use its full potential, but it sure is fun to have and drive! 



And sometimes you need that power in the passing lane. :smileywink:
* 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
Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008

Re: NFCU CLI


boilerette wrote:

I have been an NFCU member since I was a baby ;-)  About 3 years ago I got a ".25% loan discount" coupon for my 25th anniversary of membership.  Bought a car with it.  NFCU couldn't give me "instant" credit even with my 796 score :-)  But that could because I have stopped soft inquiries, and I actually never saw a hard inquiry on my report.  I was trying to apply for a cash rewards card over the standard platinum I have now.f

 

BTW... who needs $50k in available credit??


How do you stop soft inquiries?  I thought that if you have a business relationship with a lender they could pull an AR anytime, even if your CR is locked.


Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: NFCU CLI


Itsmeagain wrote:

boilerette wrote:

I have been an NFCU member since I was a baby ;-)  About 3 years ago I got a ".25% loan discount" coupon for my 25th anniversary of membership.  Bought a car with it.  NFCU couldn't give me "instant" credit even with my 796 score :-)  But that could because I have stopped soft inquiries, and I actually never saw a hard inquiry on my report.  I was trying to apply for a cash rewards card over the standard platinum I have now.f

 

BTW... who needs $50k in available credit??


How do you stop soft inquiries?  I thought that if you have a business relationship with a lender they could pull an AR anytime, even if your CR is locked.


They can pull.  You can't stop it.  Opting out only prevents you from receiving offers of credit under PROMO pulls.

 

Plus, soft pulls don't affect your credit profile, score or abililty to get credit.  So it is sort of an endeavor of little return.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


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
Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008

Re: NFCU CLI

+1

Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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Senior Contributor
BungalowMo
Posts: 4,235
Registered: ‎05-01-2008

Re: NFCU CLI


LilMirth wrote:

They always pull EQ, Mo.


BungalowMo wrote:
Who did they pull??

 

DOH...ok....so I had a brain fart moment!!   :smileyvery-happy:

 



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

New Contributor
LynnBushea
Posts: 62
Registered: ‎11-10-2009

Re: NFCU CLI

Well I am not in the big leagues with you all yet. I was scared to apply for a credit card. I have the NRewards Secred Visa from NFCU. Maybe when my scores are stronger I can get a unsecured card.

Starting Score: 478
Current Score: 650
Goal Score: 750+


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Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: NFCU CLI


LynnBushea wrote:

Well I am not in the big leagues with you all yet. I was scared to apply for a credit card. I have the NRewards Secred Visa from NFCU. Maybe when my scores are stronger I can get a unsecured card.

Wow, from your siggy, you've done a heck of a job already --478 to 602 ain't shabby!
* 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

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