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Just join nfcu yesterday and was told it would only be a soft pull
So just now i received a Transunion alert saying i have a new hard inquiry
Was i lied to are this is the standard for membership?
I knew i was not hearing things when i first signed up
I just got off the phone and was told it is always a hard inquiry
Anything i can do about this or who to call?
I did just my Equifax report and it was only a soft pull there. I really piss off that i had to waste a hard inquiry for a saving account and not a credit card or something.
I'm sorry that you feel misled about the hard pull situation, they should have given you a clear answer. But I will say this, there is a LARGE wealth of information about NFCU in these forums, and it's well known that NFCU are more than hard pull happy. They pull for everything, and wont reuse a recent pull. As a matter of fact, I'll probably get hit with a hard pull just for mentioning it lol. If you ever have any questions, please don't hesitate to ask here in these forums, there are lots of friendly and very helpful people here. And as far as NFCU goes, they reallt are a great Credit Union, you didn't make a mistake by joining them. Thanks to the great people in these forums, I joined NFCU and they have literally helped me rebuild my credit. They believed in me when no one else would. Enjoy, give NFCU a chance and I highly doubt you'll regret it.
I feel better now
Just spoke to a credit service manager and he was able to used same credit report for my credit card application.
And was approved for 12,500 for the rewards card!
Yeesss!!!!!!!!!!!!!!!!!
@antdave93 wrote:I feel better now
Just spoke to a credit service manager and he was able to used same credit report for my credit card application.
And was approved for 12,500 for the rewards card!
Yeesss!!!!!!!!!!!!!!!!!
and all is right in the world again! In all seriousness, congrats! To be honest, I'd let them HP me 3x if it took that to get in with them. They treat you that good!
@antdave93 wrote:I feel better now
Just spoke to a credit service manager and he was able to used same credit report for my credit card application.
And was approved for 12,500 for the rewards card!
Yeesss!!!!!!!!!!!!!!!!!
Awesome!
+1 It's definetly a hard pull, since they check your credit to see what you qualify for.