topic Re: NFCU App question in Credit Card Applications

NFCU App question

Anonymous — Thu, 25 May 2017 01:35:34 GMT

I have noticed that NFCU tends to pull Transunion for membership and Credit Cards and Equifax for all loans. If i freeze my Transunion would they use a different bureau or make me unfreeze it for approval? Also i have a NFCU Secured card so if i freeze Transunion and apply for a second card would they be able to pull it even though it's frozen?

Re: NFCU App question

Anonymous — Thu, 25 May 2017 13:19:44 GMT

I don't think discussions about freezing reports and applying jives well with myFico.
If there is something you want to not show by freezing your reports, I say don't apply in the first place

Re: NFCU App question

Anonymous — Thu, 25 May 2017 14:54:39 GMT

Your Transunion score is good enough to get approved for a credit card. I was approved for 6500 dollar limit NFCU card with a score of 580.

Re: NFCU App question

Scupra — Thu, 25 May 2017 17:29:47 GMT

@Anonymous wrote:
Your Transunion score is good enough to get approved for a credit card. I was approved for 6500 dollar limit NFCU card with a score of 580.

NFCU is all over the board though. There is plenty of people with better scores that get flat out declined. Odd ball for sure

Re: NFCU App question

Anonymous — Thu, 25 May 2017 17:32:30 GMT

@Anonymous wrote:
Your Transunion score is good enough to get approved for a credit card. I was approved for 6500 dollar limit NFCU card with a score of 580.

I had a 650 on TU when i applied and was denied even on recon, that's why i got a NFCU secured card.

Re: NFCU App question

Anonymous — Thu, 25 May 2017 17:35:13 GMT

Reminder to all that discussing freezing one of your credit reports to force a creditor to pull a different one is prohibited on these forums. Thank you for your cooperation.

Re: NFCU App question

Anonymous — Thu, 25 May 2017 17:42:45 GMT

@Anonymous wrote:
I don't think discussions about freezing reports and applying jives well with myFico.
If there is something you want to not show by freezing your reports, I say don't apply in the first place

My Equifax & Experian reports look much better than my TU. Many people have a specific bureau frozen. My question is if they would pull a different bureau other than Transunion for a CC since they always tend to pull Transunion. Has anyone gotten a hard pull from EX or EQ when apping for a NFCU CC?

Re: NFCU App question

Anonymous — Thu, 25 May 2017 18:06:34 GMT

Wow! I didnt know that. You learn something new everyday

@Anonymous wrote:
Reminder to all that discussing freezing one of your credit reports to force a creditor to pull a different one is prohibited on these forums. Thank you for your cooperation.

Re: NFCU App question

Scupra — Thu, 25 May 2017 18:17:34 GMT

@Anonymous wrote:
@Anonymous wrote:
I don't think discussions about freezing reports and applying jives well with myFico.
If there is something you want to not show by freezing your reports, I say don't apply in the first place
My Equifax & Experian reports look much better than my TU. Many people have a specific bureau frozen. My question is if they would pull a different bureau other than Transunion for a CC since they always tend to pull Transunion. Has anyone gotten a hard pull from EX or EQ when apping for a NFCU CC?

Both DW and myself have had NFCU pull EQ for credit cards.

Re: NFCU App question

Anonymous — Fri, 26 May 2017 17:01:35 GMT

My understanding of NFCU is....it's not just about your score but your overall profile....

Re: NFCU App question

Anonymous — Fri, 26 May 2017 17:11:13 GMT

Are credit cards double pulls with NFCU?

Re: NFCU App question

Scupra — Fri, 26 May 2017 19:19:11 GMT

@Anonymous wrote:
Are credit cards double pulls with NFCU?

I think I have seen one person report a double pull. Very unlikely but as always YMMV

Re: NFCU App question

Anonymous — Sun, 28 May 2017 02:26:35 GMT

@Anonymous wrote:
Wow! I didnt know that. You learn something new everyday
@Anonymous wrote:
Reminder to all that discussing freezing one of your credit reports to force a creditor to pull a different one is prohibited on these forums. Thank you for your cooperation.

@Anonymous

To be clear what is prohibited is exactly as I described' discussing freezing one or two of your reports to force a creditor to pull one that you prefer. You are allowed to discuss freezing all of your reports and seeing if a creditor will still process your application (not usually but it has happened). Hope this helps