NFCU

[Learning_Tee0225]

this intrests me..i just apped for a CC w/ NFCU..hoping they pull TU and stay away from EQ (LOL) as this is my highest score!

[webhopper]

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@CS800 wrote:

Does NFCU use the same inq when opening a checking, credit card and navcheck together?

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They do not,  I did a membership app, a cc app, and an auto refi... it resulted in 3 pulls to TU, but they were worth it and the pulls didn't count against me, because I already had over 10 pulls on my TU.  Well worth the HPs

[CS800]

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@Learning_Tee0225 wrote:

this intrests me..i just apped for a CC w/ NFCU..hoping they pull TU and stay away from EQ (LOL) as this is my highest score!

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Made me wonder which TU version they pulled. Between my TU98 and TU08 there is a 28 points difference; TU08 being higher.

[pizzadude]

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@CS800 wrote:

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@Learning_Tee0225 wrote:

this intrests me..i just apped for a CC w/ NFCU..hoping they pull TU and stay away from EQ (LOL) as this is my highest score!

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Made me wonder which TU version they pulled. Between my TU98 and TU08 there is a 28 points difference; TU08 being higher.

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I think they use TU04 ~ I received a score of 626 earlier this year from them, with a low/high range of 336 to 843.   I think this is the real world range for TU04....

[score_building]

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@CS800 wrote:

So the damage (in a good way)

2 pulls total

CC + Car Loan = 1 -- TU only

NavChek = 1 -- EQ only

Random that they checked a different CB for different products.

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SOP at NFCU. Nice approvals!

[CS800]

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@score_building wrote:

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@CS800 wrote:

So the damage (in a good way)

2 pulls total

CC + Car Loan = 1 -- TU only

NavChek = 1 -- EQ only

Random that they checked a different CB for different products.

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SOP at NFCU. Nice approvals!

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Thanks, they are truly a delight to work with

I noticed that you get your EQ from DCU too.

[CS800]

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@pizzadude wrote:

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@CS800 wrote:

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@Learning_Tee0225 wrote:

this intrests me..i just apped for a CC w/ NFCU..hoping they pull TU and stay away from EQ (LOL) as this is my highest score!

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Made me wonder which TU version they pulled. Between my TU98 and TU08 there is a 28 points difference; TU08 being higher.

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I think they use TU04 ~ I received a score of 626 earlier this year from them, with a low/high range of 336 to 843.   I think this is the real world range for TU04....

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I  thought all FICO's were 300-850 ? No?

[pizzadude]

That is the theoretical min/min, but actually not the real world range.   Take a look at this thread:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

Based on what is in this thread it appears that NFCU actually pulls TU98, rather than TU04.

[tbc]

just did a car loan thru them last month.  they pulled equifax.

They pulled equifax for the personal loan.

they pulled equifax for my cc's.

[kjm79]

Account opening and auto refi = TU

CC and Navchek = EQ

I'm in AZ, so location might also be a determination.  But you know the saying, YMMV.