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Frequent Contributor
swpopham
Posts: 421
Registered: ‎06-02-2012

Re: What Do They Consider To Many Inquiries?

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‎10-26-2012 09:06 AM

you have no idea buddy! Im sure any nfcu member can vouch for that, call customer service and ask them what your credit limit is and take a HP, call and ask if your car payment posted and take 3 hp's!!! sara had enough in 2 years, with a few softs she was bumping her own inquires.

 

We are extreme, I called and apped for a platinum card and was given a 1k limit, called activated the card, then told the rep to close it, app for a cash rewards card and instant 10k... Called and got nav check 5k, called 3days later uped it to 10k and added wife as joint holder and bump to 15k, took 3 pulls for that stunt. Should have done 15k the first time.

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
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Sparkz1920
Posts: 263
Registered: ‎08-09-2009

Re: What Do They Consider To Many Inquiries?

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‎10-26-2012 11:12 AM

Wow....I just asked for an increase....another hard pull I guess lol
Starting Score: 601
Current Score: 670
Goal Score: 700

Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
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Valued Contributor
jsickz32
Posts: 1,810
Registered: ‎06-25-2012

Re: What Do They Consider To Many Inquiries?

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‎10-26-2012 11:25 AM

and im mad i have 4 HPs from NFCU...
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (601) / PayPal Smart connect (2200)
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Valued Contributor
Duncanrr
Posts: 2,496
Registered: ‎06-08-2012

Re: What Do They Consider To Many Inquiries?

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‎10-26-2012 10:08 PM

Maybe all their hard pulls is their way of making sure you just bank with them.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
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