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NFCU....New Member

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jwduke
Regular Contributor
‎10-06-2012 09:55 AM
‎10-06-2012 09:55 AM

NFCU....New Member

I joined NFCU last month. All I have is a checking & savings account there. I see, loking at my credit report, I have a credit inquiry from them. I have applied for no cards, or Navcheck. I am waiting for my number of inquiries to drop (I am at 8 in the last yr) THANKS!


Starting Score: 675
Current Score: FICO- 798 (02/21/18)
Goal Score: 800+ All Three



Take the FICO Fitness Challenge

Message 1 of 14
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Duncanrr
Valued Contributor
‎10-06-2012 10:40 AM
‎10-06-2012 10:40 AM

Re: NFCU....New Member

It could be inquiry for membership. From what I've read they are a little HP happy.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge
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shakalaka
Established Contributor
‎10-06-2012 10:44 AM
‎10-06-2012 10:44 AM

Re: NFCU....New Member

Almost every CU does an inq AFAIK.

 

Alliant was one for me also. I guess cu want to select, who they have as members.



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
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jwduke
Regular Contributor
‎10-06-2012 10:55 AM
‎10-06-2012 10:55 AM

Re: NFCU....New Member

Thanks, Duncanrr, I was wondering if thats the case.


Starting Score: 675
Current Score: FICO- 798 (02/21/18)
Goal Score: 800+ All Three



Take the FICO Fitness Challenge

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Elcid89
Contributor
‎10-06-2012 12:45 PM
‎10-06-2012 12:45 PM

Re: NFCU....New Member

They are pull happy, but the benefits of membership are well worth the initial hit. Pretty much everything you do with them that is credit related from here on out will result in at least one HP, and often multiples. Case in point, I applied for NAVChek, an auto refinance and a credit card with them all on the same day. It generated three separate pulls.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

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beautybrainsbooty
Regular Contributor
‎10-06-2012 03:46 PM
‎10-06-2012 03:46 PM

Re: NFCU....New Member

Totally worth the hard hits. I applied for membership, HP.  Then the signature card and got a HP. Line of Credit, HP. However, they treat you like gold so if they need to pull each and every time on each and every thing, be my guest. This is one credit union I am so very very proud to be a part of. They give you opportunites to have the lifestyle YOU want, without the strain. Let em pull and treat them right. They, in turn will treat you right Smiley Happy

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
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Duncanrr
Valued Contributor
‎10-06-2012 05:25 PM
‎10-06-2012 05:25 PM

Re: NFCU....New Member

Do they pull the same report each time or mix it up?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge
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gettnthere
Established Contributor
‎10-06-2012 05:33 PM
‎10-06-2012 05:33 PM

Re: NFCU....New Member

@Duncanrr, i have no personal experience with Navy, but from what i hear, they are huge EQ happy pullers, often placing 3 EQ Hp's in a single day


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
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Elcid89
Contributor
‎10-06-2012 05:35 PM
‎10-06-2012 05:35 PM

Re: NFCU....New Member

@Duncanrr wrote:
Do they pull the same report each time or mix it up?

It seems to vary depending on what sort of mood they are in or where the moon happens to be in the sky at any given moment. They usually pull the same one for multiple applications within a period of time, but may switch to a different one later on. Occasionally, for marginal apps, etc. they may pull multiple bureaus for the same application.

 

At least in my experience with them, they tend to pull EQ. YMMV

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

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madmann26
Valued Contributor
‎10-06-2012 06:46 PM
‎10-06-2012 06:46 PM

Re: NFCU....New Member

I got HP'd for a secured card. Lol

Current FICO 9 Scores



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