topic Re: NFCU what credit they pull? in Credit Card Applications

NFCU what credit they pull?

kugel — Thu, 28 Jul 2016 21:57:36 GMT

What do they pull for membership ?
Soft or hard ?
If hard can it be used for the cc?

Re: NFCU what credit they pull?

kugel — Thu, 28 Jul 2016 22:00:17 GMT

They use the checksystem also ?

Re: NFCU what credit they pull?

Anonymous — Thu, 28 Jul 2016 22:06:41 GMT

My membership and credit card were two TU pulls. The CLOC was EQ pull.

Re: NFCU what credit they pull?

fltireguy — Thu, 28 Jul 2016 22:26:02 GMT

NO on Chexsystems. They generally pull TU for cards, and EQ for LOC, as previously stated. But, if, for example your Eq is feeling very chilly, (like mine is) so to speak, they will pull TU..

Re: NFCU what credit they pull?

Anonymous — Thu, 28 Jul 2016 22:47:22 GMT

I just filed BK on 7/5 and joined NFCU shortly after. They only pulled EQ for my membership but that was due to me wanting a checking accoung with them. I had my husband join as well piggy backing off my joining and they didn't pull anything on him (at least that we've gotten an alert for). When I worked for PenFed they would make sure your credit worthyness for a checking account, so it made sense to me they pulled mine, but not his.

Re: NFCU what credit they pull?

kugel — Thu, 28 Jul 2016 23:45:09 GMT

Harlygirl did they give u a cc with bk?

Re: NFCU what credit they pull?

Anonymous — Fri, 12 Aug 2016 07:35:29 GMT

@Anonymous wrote:
My membership and credit card were two TU pulls. The CLOC was EQ pull.

How can you tell which pull is from EQ and which is for TU? all NFCU pull on my report just says "Navy Fed"? Thanks!

Re: NFCU what credit they pull?

Anonymous — Fri, 12 Aug 2016 09:46:51 GMT

@Anonymous wrote:
@Anonymous wrote:
My membership and credit card were two TU pulls. The CLOC was EQ pull.
How can you tell which pull is from EQ and which is for TU? all NFCU pull on my report just says "Navy Fed"? Thanks!

I applied for membership and a card first. There were two TU pulls. A few days later I applied for the CLOC. EQ pull.

Re: NFCU what credit they pull?

Anonymous — Tue, 23 Aug 2016 15:41:24 GMT

When I applied for a CC 6 months ago they pulled my Experian.

When I applied for a refinance 3 months ago they pulled my Experian.

When I applied for a new (used) car loan 2 weeks ago they pulled my TransUnion.

When I spoke wtih a rep, she explained there was nothing they can do, but that she believes that for some reason they pull Exp for new members and TU once you already have bank products with them. Doesn't make sense, but I guess it is what it is.

Re: NFCU what credit they pull?

Anonymous — Tue, 23 Aug 2016 15:53:41 GMT

@Anonymous wrote:
When I applied for a CC 6 months ago they pulled my Experian.

When I applied for a refinance 3 months ago they pulled my Experian.

When I applied for a new (used) car loan 2 weeks ago they pulled my TransUnion.

When I spoke wtih a rep, she explained there was nothing they can do, but that she believes that for some reason they pull Exp for new members and TU once you already have bank products with them. Doesn't make sense, but I guess it is what it is.

Well in my case they pulled TU for membership, and then again for CC.

Re: NFCU what credit they pull?

UncleB — Tue, 23 Aug 2016 17:07:05 GMT

@Anonymous wrote:
When I applied for a CC 6 months ago they pulled my Experian.

When I applied for a refinance 3 months ago they pulled my Experian.

When I applied for a new (used) car loan 2 weeks ago they pulled my TransUnion.

When I spoke wtih a rep, she explained there was nothing they can do, but that she believes that for some reason they pull Exp for new members and TU once you already have bank products with them. Doesn't make sense, but I guess it is what it is.

This is interesting... I've never heard of them pulling EX before.

In my case, they pulled TU for my membership, and EQ for my credit card. There was also a SP on EQ for membership as well.

Apparently it can vary quite a bit from person to person these days.

In the past, it was always said that they "always" pulled TU for membership, and either TU or EQ for credit cards (and if one was frozen, they could switch and pull the other). I have no personal experience with the CLOC, but people have reported that they only pull EQ for that... it's said if you have EQ frozen they will ask you to thaw before proceeding (won't pull alternate for CLOC). Again, I don't have the CLOC myself... this is only what I've read. Also, with this new report that they are pulling EX all bets are off.

Re: NFCU what credit they pull?

bk510 — Fri, 09 Sep 2016 18:21:20 GMT

@Anonymous wrote:
@Anonymous wrote:
When I applied for a CC 6 months ago they pulled my Experian.

When I applied for a refinance 3 months ago they pulled my Experian.

When I applied for a new (used) car loan 2 weeks ago they pulled my TransUnion.

When I spoke wtih a rep, she explained there was nothing they can do, but that she believes that for some reason they pull Exp for new members and TU once you already have bank products with them. Doesn't make sense, but I guess it is what it is.
Well in my case they pulled TU for membership, and then again for CC.

Same here in So Cal.

Platimun Visa pending..........