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10-06-2012 09:55 AM
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!
10-06-2012 10:40 AM
10-06-2012 10:44 AM
Almost every CU does an inq AFAIK.
Alliant was one for me also. I guess cu want to select, who they have as members.
10-06-2012 12:45 PM
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.
10-06-2012 03:46 PM
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
10-06-2012 05:25 PM
10-06-2012 05:33 PM
10-06-2012 05:35 PM
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
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