Navy Federal Mail Pre-Selected offer?

Chris3k2 · ‎06-12-2013

I've been with navy federal for about 2 months now and my score has risen about 60pts. (540 to 605). I checked my mailbox before going to work today and there was a letter from NFCU. It's for the cashRewards credit card and it basically says apply today and has an Acceptance Code. Is this a pre-approval or something and is it a soft pull? I went to the website it has listed for the offer and it just asks for my last 4 of my social. So will it still be a hard pull if they are just asking for the last 4?

Starting Score: 03/29/2013 540 EQ 05/01/2013 614 TU 05/30/2013 606 EX (Lender Pull)
Current Score: 07/27/2013 639 EQ 07/27/2013 651 TU98 07/27/2013 650 TU04 07/27/2013 617 EX V2 07/27/2013 639 EX 08
Goal Score: 660 EQ 660 TU 660 EX

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dodfire · ‎06-12-2013

Congrats on the pre selected offer!!

In my experience even with the pre selected offer it was a HP when I opened my CashRewards.

*8/10/13

Chris3k2 · ‎06-12-2013

Just my luck. I'm actually in the middle of trying to get approved for a loan and was told not to apply for anything else. Geez. I guess I'll have to wait until after the mortgage.

Starting Score: 03/29/2013 540 EQ 05/01/2013 614 TU 05/30/2013 606 EX (Lender Pull)
Current Score: 07/27/2013 639 EQ 07/27/2013 651 TU98 07/27/2013 650 TU04 07/27/2013 617 EX V2 07/27/2013 639 EX 08
Goal Score: 660 EQ 660 TU 660 EX

Take the myFICO Fitness Challenge

dodfire · ‎06-12-2013

The offer will still be there. Do not take any chances with messing up your mortgage loan.

*8/10/13

Chris3k2 · ‎06-12-2013

Yeah I'm not. Especially with my scores barely reaching the minimum requirements.

Starting Score: 03/29/2013 540 EQ 05/01/2013 614 TU 05/30/2013 606 EX (Lender Pull)
Current Score: 07/27/2013 639 EQ 07/27/2013 651 TU98 07/27/2013 650 TU04 07/27/2013 617 EX V2 07/27/2013 639 EX 08
Goal Score: 660 EQ 660 TU 660 EX

Take the myFICO Fitness Challenge