topic Re: NFCU pulls in Credit Card Applications

NFCU pulls

Anonymous — Mon, 27 Aug 2018 20:24:38 GMT

*We need more submissions!*
*COPY THE QUESTIONS BELOW AND PASTE *

Hi all - I am a big data person. Love numbers and solving problems. We all know NFCU pulls eq and tu with no rhyme or reason. What Im going to try and do is see if perhaps the bureau they pull is based on the day or week of the month...perhaps they alternate so to speak on a pattern or based on zip code.

To help me I need the following data pointa from you:

**COPY AND PASTE THIS QUESTIONAIRE**
-Date you applied?
-What product/CC/loan/CLI did you apply for?
-Your home state?
-Any freezes/locks or disputes in process?
-Bureau pulled?
-Hard or Soft Pull?
-NOTES: *Enter any add'l info or DP's here*

Please when posting your data be sure of the bureau pulled and *exact* dates as to keep errors low. If you are unsure of precise date/bureau simply notate as much.

Re: NFCU pulls

Anonymous — Mon, 27 Aug 2018 20:26:36 GMT

My data:

-Date you applied? - 5-16-2018
-What product/CC/loan/CLI did you apply for? CashRew
-Your home state? NY
-Any freezes/locks or disputes in process? No
-Bureau pulled? EQ
-Hard or Soft Pull? Hp
-NOTES: EQ hp membership same day

Re: NFCU pulls

Anonymous — Thu, 16 Aug 2018 22:43:18 GMT

08/14/2018

-NFCU nRewards Secured Visa Approved with 24-48 hour review
-California
-No freezes or disputes.
-Transunion
-Hard pull

Re: NFCU pulls

Anonymous — Thu, 16 Aug 2018 23:11:29 GMT

6/12/2018

- CashRewards

- California

- No freeze

- TU

- Hard Pull

7/18/2018

- CLOC

- California

- No freeze

- EQ

- Hard Pull

Re: NFCU pulls

Anonymous — Tue, 25 Sep 2018 16:29:00 GMT

Following, as I plan to app for a NFCU card in the near future... Was told today by two CSR that for NC they SHOULD only HP TU for all CC apps. Their auto loans HP EQ.

*UPDATE*

-Date you applied? 23 August 2018
-What product or loan or CLI did you apply for? cashRewards CC
-Your home state? NC
-Did you have any freezes or disputes in process? No
-Bureau pulled? TU
-Hard or Soft Pull? HP

-Date you applied? 23 March 2018
-What product or loan or CLI did you apply for? Auto Loan
-Your home state? NC
-Did you have any freezes or disputes in process? No
-Bureau pulled? EQ
-Hard or Soft Pull? HP

Re: NFCU pulls

Anonymous — Tue, 21 Aug 2018 03:35:02 GMT

-Date you applied? 4/12/17, approved 4/16/17
-What product or loan or CLI did you apply for? NFCU cashRewards Visa
-Your home state? CA
-Did you have any freezes or disputes in process? Nope
-Bureau pulled? TU
-Hard or Soft Pull? HP

-Date you applied? 6/22/17
-What product or loan or CLI did you apply for? Auto Loan
-Your home state? CA
-Did you have any freezes or disputes in process? Nope
-Bureau pulled? EQ
-Hard or Soft Pull? HP

Re: NFCU pulls

Anonymous — Tue, 21 Aug 2018 12:43:48 GMT

Thanks for this thread idea. I'm pretty well resolved on trying my luck with NFCU early next year once my current gardening period ends, so I'd be very interested to find out what they pull for CC apps in my state (Virginia).

Re: NFCU pulls

Anonymous — Mon, 27 Aug 2018 20:28:20 GMT

-Date you applied? 8/19/18
-What product/CC/loan/CLI did you apply for?Flagship cc
-Your home state?ny
-Any freezes/locks or disputes in process?no
-Bureau pulled? EQ
-Hard or Soft Pull? HP
-NOTES: app'ed 91/3 after 1st Navy card 25k SL

Re: NFCU pulls

Anonymous — Tue, 28 Aug 2018 02:17:19 GMT

-Date you applied? 6/1/2018
-What product/CC/loan/CLI did you apply for? CashRewards
-Your home state? KS
-Any freezes/locks or disputes in process? No
-Bureau pulled? TU
-Hard or Soft Pull? HP
-NOTES: Joined with savings and checking same day with a SP

Re: NFCU pulls

Shadeestill — Sat, 01 Sep 2018 19:42:04 GMT

-Date you applied? 08/22/2018
-What product/CC/loan/CLI did you apply for? Go Rewards Visa. Instant approval for 15k
-Your home state? CA
-Any freezes/locks or disputes in process? No
-Bureau pulled? TU
-Hard or Soft Pull? HP
-NOTES: Member since July (SP on TU)2 CC COs and 3 other accounts CO all at the 2 year mark this month or next month.

-Date you applied? 08/22/2018
-What product/CC/loan/CLI did you apply for? CLOC 5k. Denied instantly.
-Your home state? CA
-Any freezes/locks or disputes in process? No
-Bureau pulled? EQ
-Hard or Soft Pull? HP
-NOTES: Same as above

Re: NFCU pulls

CCrew — Sun, 02 Sep 2018 03:24:32 GMT

@Anonymous wrote:
Thanks for this thread idea. I'm pretty well resolved on trying my luck with NFCU early next year once my current gardening period ends, so I'd be very interested to find out what they pull for CC apps in my state (Virginia).

Virginia here, apped a month ago. HP on TU instant approval for $25k.

Re: NFCU pulls

Anonymous — Tue, 25 Sep 2018 16:30:31 GMT

You can always check the credit pulls database to see what they do in your state.

Re: NFCU pulls

Anonymous — Tue, 25 Sep 2018 16:36:35 GMT

Date you applied? 9/25/18
-What product/CC/loan/CLI did you apply for? Go Rewards CC
-Your home state? NC
-Any freezes/locks or disputes in process? No
-Bureau pulled? TU
-Hard or Soft Pull? HP
-NOTES: wife's app for targeted offer for go rewards card with 0% apr BTs for 12 mos. Approved for $25k SL.

Re: NFCU pulls

Anonymous — Wed, 14 Nov 2018 21:16:20 GMT

My data

-Date you applied? 11-13-18
-What product/CC/loan/CLI did you apply for? Cli on green credit card
-Your home state?
-Any freezes/locks or disputes in process? No
-Bureau pulled? Equifax
-Hard or Soft Pull? Hard pull
-NOTES: *Enter any add'l info or DP's here

Re: NFCU pulls

Anonymous — Wed, 14 Nov 2018 22:58:24 GMT

Date you applied? 10/16/2018
-What product/CC/loan/CLI did you apply for? Cash Rewards Visa. Instant approval for 10k
-Your home state? CA
-Any freezes/locks or disputes in process? No
-Bureau pulled? TU
-Hard or Soft Pull? HP

Re: NFCU pulls

_NERD — Thu, 20 Dec 2018 07:21:35 GMT

This is great. However, is the information provided in our responses enough for the banks to identify us, and take AA if they desired?

Re: NFCU pulls

ridgebackpilot — Thu, 20 Dec 2018 19:44:47 GMT

-Date you applied? 12/18/2018
-What product/CC/loan/CLI did you apply for? NFCU Flagship Rewards VISA
-Your home state? California
-Any freezes/locks or disputes in process? Approved for $10K once TU unfrozen
-Bureau pulled? TransUnion
-Hard or Soft Pull? HP

Re: NFCU pulls

Anonymous — Sat, 29 Dec 2018 12:19:31 GMT

they could do a process of elimination and narrow down the choices if they really wanted to do but what is really the concern here? sharing information about credit checks and approvals isn't a negative action. Credit Unions want customers. NFCU wants customers, they just don't want churning or points manipulation.

Re: NFCU pulls

Anonymous — Mon, 31 Dec 2018 16:37:09 GMT

-Date you applied? 12/24/18
-What product/CC/loan/CLI did you apply for? NFCU Flagship Signature Visa
-Your home state? WA
-Any freezes/locks or disputes in process? No
-Bureau pulled? Equifax
-Hard or Soft Pull? HP

Notes: Member since 05/2017. Had savings/checking/Go Rewards card. Approved for $15,000.

Re: NFCU pulls

CivalV — Tue, 22 Jan 2019 17:08:16 GMT

They pulled TU? What was your TU score at the time?