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Established Contributor
Posts: 878
Registered: ‎04-08-2008

Re: nfcu

Just for the record:
If you send in a written application via snail mail for multiple
NFCU credit products, it only counts as 1 hard Equifax pull.
If you call or apply online, each NFCU credit product counts
as 1 hard EQ pull. 
So in essence, if you're willing to wait a little while NFCU will
only hard pull once. If you want more immediate service, they
hard pull once per credit product.
Of course, in a perfect world it'd be nice if NFCU just pulled our
EQ reports once within a certain timeframe no matter how many
credit products we app for (like PenFed, for example). Perhaps
sometime in the future the policy will change. Smiley Happy
And if by chance you apped online or over the phone for multiple
products and NFCU only hard pulled once, consider yourself the
exception and not the rule. Smiley Wink
On the flipside, all requests for credit limit increases every 6 months
are soft pulls, so I guess it all comes out in the wash. Smiley Happy
"The right attitude is everything"
Frequent Contributor
Posts: 366
Registered: ‎12-20-2007

Re: nfcu

Usually if you apply at different times they may count as more than one! But im surprised they counted multiple for you!
~EveryThing Is Within REach~FICO FORUM roCKs.....
Established Contributor
Posts: 665
Registered: ‎03-31-2007

Re: nfcu

Goes to show YMMV. JFCU, PenFed, and Navy pull every 3 months on me. Alliant pulls monthly.
Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007

Re: nfcu

FaircreditguyFL wrote:
Goes to show YMMV. JFCU, PenFed, and Navy pull every 3 months on me. Alliant pulls monthly.

You're talking about soft pulls or AR they are talking about hard inquiries for new credit.

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