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NFCU or Wells Fargo questions!!

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rightcoast
Frequent Contributor

NFCU or Wells Fargo questions!!

 

  • Is there a hard credit pull for applying for a checking account?
  • My Grandfather is a retired Air Force Veteran, does this make me eligible?
  • And lastly, Whos better Wells Fargo or NFCU?? 

I plan on getting a Credit Card, Car loan, and other type things. Would you recommend??

 

 


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 1 of 26
25 REPLIES 25
Shogun
Moderator Emeritus

Re: NFCU or Wells Fargo questions!!

My vote would be NFCU.  Yes, you will get a HP.

 

Is your grandfather a member?  If he is, you're a shoe in!!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 26
rightcoast
Frequent Contributor

Re: NFCU or Wells Fargo questions!!

Thanks Shogun! He is not a member, just a retired Air Force Veteran.....


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 3 of 26
rightcoast
Frequent Contributor

Re: NFCU or Wells Fargo questions!!

I would get a HP just for a checking account!?


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 4 of 26
Duncanrr
Valued Contributor

Re: NFCU or Wells Fargo questions!!

Yes. It's not for the checking but they do HP for membership.


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
Message 5 of 26
bbrannan
Regular Contributor

Re: NFCU or Wells Fargo questions!!

Yes. Obaining membership with NFCU will cost you a HP, but IMO it is well worth it!! If you have the opportunity to join, I would say to join.

My vote goes to NFCU as well!

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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Message 6 of 26
rightcoast
Frequent Contributor

Re: NFCU or Wells Fargo questions!!

Ok thats fine! IF they are going to do a hard pull then I will also apply for a CC or any loan I may need at the same time as the membership. Thank you for your responses. I also have to see if I can even become a member since my Grandfather isnt a one. He is a retired Air Force veteran so that should be good enough right?


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 7 of 26
bbrannan
Regular Contributor

Re: NFCU or Wells Fargo questions!!

Be forewarned, that they will HP for membership AND a separate HP for a CC - at least in my case. They pulled TU for membership and EQ for each loan/credit card action.

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


Take the FICO Fitness Challenge
Message 8 of 26
rightcoast
Frequent Contributor

Re: NFCU or Wells Fargo questions!!

Haha im fine with them pulling TU. But EQuifax. NOOOOOOOO lol


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 9 of 26
HoldingOntoHope
Valued Contributor

Re: NFCU or Wells Fargo questions!!

NFCU pulls EQ for the majority of their credit products and CLI requests. I believe your grandfather will have to establish membership and then extend it to you through his account. I could be wrong. Check their website or call in and speak to a rep. They are available 24/7. If it does require his membership all he needs to do is drop $5.00 into a share account. NFCU is by far the best for credit products. They can be forgiving of past mistakes with other lenders. But be aware if you ever burn them, they will blacklist your children's children Smiley Sad (or at least you for a very long time).

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL


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Message 10 of 26
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