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Established Contributor
CanDoAttitude
Posts: 878
Registered: ‎04-08-2008
0

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. :smileyhappy:
 
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. :smileywink:
 
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. :smileyhappy:
 
CanDo
 
"The right attitude is everything"
Frequent Contributor
mrsanderson
Posts: 366
Registered: ‎12-20-2007
0

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
FaircreditguyFL
Posts: 665
Registered: ‎03-31-2007
0

Re: nfcu

Goes to show YMMV. JFCU, PenFed, and Navy pull every 3 months on me. Alliant pulls monthly.
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

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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