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NFCU Credit Bureau Pulls

Frequent Contributor

NFCU Credit Bureau Pulls

When joining NFCU, do they pull your credit bureau report and your ChexSystem or Early Warning report? I have a freeze on my ChexSystem file, so I'm wondering if I need to unfreeze it before applying. 

13 REPLIES
Valued Contributor

Re: NFCU Credit Bureau Pulls

They didn't check Chex for me.. just CR
Message 2 of 14
Contributor

Re: NFCU Credit Bureau Pulls

Only a TU pull for me in NJ.

Message 3 of 14
Established Contributor

Re: NFCU Credit Bureau Pulls

They only puilled TU for me, as well for joining.

 

And again when I applied for a credit cared.

 

And again when I reconned for the credit card.

 

They are pull happy!   But, so far, they are totally worth the hard pulls.  I love there customer service!

Cap1 Venture: $18K | Amex BCE: $15K | NFCU CR: $15K | Wells Fargo: $11K | Cap1 Savor: 10K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | Discover IT: $6K | Sportsman's Guide: $5.9K | NRA: $5.5K | Legacy Visa: $2.75K | Elan Plat: $2.3K | Cap1 PS: 2K | Cabela's: $1K

 

Current Scores: EQ: 718 | TU: 742 | EX: 716



 

Message 4 of 14
Valued Contributor

Re: NFCU Credit Bureau Pulls

Only pulled TU for me in MIchigan


EQ688
TU700
EX707

Message 5 of 14
Member

Re: NFCU Credit Bureau Pulls


Dalmus wrote:

They only puilled TU for me, as well for joining.

 

And again when I applied for a credit cared.

 

And again when I reconned for the credit card.

 

They are pull happy!   But, so far, they are totally worth the hard pulls.  I love there customer service!


Are they not able to use the same credit pull or did you apply for the credit card after 30 days after opening the account?  

Message 6 of 14
Highlighted
Regular Contributor

Re: NFCU Credit Bureau Pulls

NFCU did early warning on me while they setup the account about 5 days before it was opened, then TU the day the opened my account.

FICO 8 Scores 02/21/2017 EQ 593, TU 584 EX 602 -- 06/21/2017 - EQ 632, TU 652, EX 656
Message 7 of 14
Community Leader
Valued Contributor

Re: NFCU Credit Bureau Pulls

They pulled TU for membership, TU for a loan, and TU and EQ for a card for both me and my hubby. All on the same day.
Message 8 of 14
Community Leader
Super Contributor

Re: NFCU Credit Bureau Pulls

They pulled TU for membership and card then EQ for CLOC.


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover; NASA Platinum Cash Rewards. EQ: 763 TU: 737 EX: 787
Message 9 of 14
Regular Contributor

Re: NFCU Credit Bureau Pulls

I had similar; TU for membership and EQ for my CLOC.


Message 10 of 14