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NFCU Membership? SP or HP ??

Regular Contributor

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
14 REPLIES
Contributor

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

Message 2 of 15
Community Leader
Valued Contributor

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
Super Contributor

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
Frequent Contributor

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!!!
Message 5 of 15
Established Contributor

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
Message 6 of 15
Frequent Contributor

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!!!
Message 7 of 15
Valued Contributor

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
Message 8 of 15
Established Contributor

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
Established Contributor

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?

Message 10 of 15