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NFCU Membership? SP or HP ??

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flashevo
Regular Contributor
‎06-21-2013 09:50 AM
‎06-21-2013 09:50 AM

NFCU Membership? SP or HP ??

Hi all.

 

I just joined NFCU on the 19th but I only see a SP listed on EQ.  Is that normal?  I thought I was reading somewhere that they did a HP?  I do see 2 SPs though.

 

 

NFCU Flagship Sig (24.5k); NFCU CashRewards (24.5k); NFCU NavCheck (15k); Chase Sapphire Preferred (15k) ;Chase Marriott Rewards (14k);US Bank Flex Perks (9k); Barclays Rewards (8k); Chase Freedom (14k); BOA Travel Rewards Sig (20k); BOA Privileges with Cash Rewards Sig (9k); Discover IT (6.5k); Walmart Discover (3k); Wells Fargo Platinum (9.5k); Wells Fargo LOC (10k); Bloomingdales Amex (5k); Macy's Amex (5k); Paypal Extras Mastercard (6k); Bananna Republic Visa (5.5k); Lowes (6k); Sams Club Discover (5k)....In the garden since 8/15/13



Message 1 of 15
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Mopar_Jones
Contributor
‎06-21-2013 10:07 AM
‎06-21-2013 10:07 AM

Re: NFCU Membership? SP or HP ??

I got a hardpull when I joined.. but that was 3 years ago so who knows... if it was only a sp, just be happy!! Smiley Wink



Current FICO - 708 || Limits on all cards - $121,250
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improvingmycredit
Valued Contributor
‎06-21-2013 10:16 AM
‎06-21-2013 10:16 AM

Re: NFCU Membership? SP or HP ??

I received a SP to join and HP for all the products. ALL the products. Smiley Happy
Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+
Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K
Message 3 of 15
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pizzadude
Credit Mentor
‎06-21-2013 06:59 PM
‎06-21-2013 06:59 PM

Re: NFCU Membership? SP or HP ??

They are certainly pull happy....so expect a HP anytime you app for anything or request CLI.

Also they did a HP on me when I joined.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 4 of 15
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CreditJunkie917
Frequent Contributor
‎06-21-2013 07:34 PM
‎06-21-2013 07:34 PM

Re: NFCU Membership? SP or HP ??

Did a HP for me. TU for membership, and EQ for their products.
Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
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CashOnDelivery
Established Contributor
‎06-21-2013 09:27 PM
‎06-21-2013 09:27 PM

Re: NFCU Membership? SP or HP ??

Interesting...I checked my CR and it shows a SP on TU. However, their CC's are a HP. I am AD military and I wonder if it's Sp for AD vs. HP for non-AD members. Posters please share your experience. Thanks!

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700
Take the myFICO Fitness Challenge
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CreditJunkie917
Frequent Contributor
‎06-22-2013 01:43 AM
‎06-22-2013 01:43 AM

Re: NFCU Membership? SP or HP ??

Yeah I app'd in march for membership and when I pulled myFICO TU at the end of may, it came up as a HP.
Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
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dodfire
Valued Contributor
‎06-22-2013 02:49 AM
‎06-22-2013 02:49 AM

Re: NFCU Membership? SP or HP ??

Both membership and CC's were HP's for me....and knowing NFCU they are probably going to HP everyone that has responded to this thread!! Smiley Happy

*8/10/13
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CashOnDelivery
Established Contributor
‎06-22-2013 03:02 AM
‎06-22-2013 03:02 AM

Re: NFCU Membership? SP or HP ??

@dodfire wrote:

Both membership and CC's were HP's for me....and knowing NFCU they are probably going to HP everyone that has responded to this thread!! Smiley Happy

Probably so...I think it was pilotdude that posted a spoof conversation log with the NFCU CSR for CLI. "One HP for calling, another for asking for CLI, another for thinking of NFCU and another for thanking NFCU"

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700
Take the myFICO Fitness Challenge
Message 9 of 15
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ccnewcc
Established Contributor
‎06-22-2013 10:24 AM
‎06-22-2013 10:24 AM

Re: NFCU Membership? SP or HP ??

HP on TU for membership.

 

 

The better question shouldn't be about AD vs non-AD, but whether or not one is opted out.  

 

I am more curious if we can nail down whether or not being opted out matters or not, because I am sure being AD has no bearing.

 

 

I am opted out, and I got HP'ed.  Anyone else wanna share their SP vs HP and opt-out vs not opted out?

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