topic Re: Navy Fed Membership Question in Personal Finance

Navy Fed Membership Question

torebuild2014 — Thu, 01 Feb 2018 20:57:53 GMT

Is there a hard pull credit check for membership with Navy Federal? I am not looking for any credit products right now, but have an opportunity to join them for an account.

Re: Navy Fed Membership Question

SouthJamaica — Sat, 03 Feb 2018 13:31:40 GMT

wrote:
Is there a hard pull credit check for membership with Navy Federal? I am not looking for any credit products right now, but have an opportunity to join them for an account.

Yes there will be a hard pull. But it's worth it.

Update: several other posters advise that I'm wrong, and that NFCU no longer uses a hard pull for membership. So if I was wrong, I stand corrected.

Re: Navy Fed Membership Question

Anonymous — Fri, 02 Feb 2018 02:03:54 GMT

wrote:
wrote:
Is there a hard pull credit check for membership with Navy Federal? I am not looking for any credit products right now, but have an opportunity to join them for an account.
Yes there will be a hard pull. But it's worth it.

@Not true. NFCU doesnt HP for membership anymore, at least for me @Anonymous 2018 . I just joined LAST WEEK.

They DO inq EWS ( Early Warninng System ) when you open checking or saving account with them.

Please check my posting about this: http://ficoforums.myfico.com/t5/Personal-Finance/NFCU-Navy-Federal-DOES-Check-EWS-Early-Warning-System/m-p/5149289#M21290

For applying credit card, YES they do HP TransUnion. Hope this help.

Re: Navy Fed Membership Question

ptkdude — Fri, 02 Feb 2018 01:18:27 GMT

I joined in October, and saw a pull on EWS and a SOFT pull on Transunion. As usualy, your mileage may vary. I applied only for checking and savings (over the phone).

Re: Navy Fed Membership Question

torebuild2014 — Fri, 02 Feb 2018 12:33:26 GMT

wrote:
I joined in October, and saw a pull on EWS and a SOFT pull on Transunion. As usualy, your mileage may vary. I applied only for checking and savings (over the phone).

Thank you for your reply.

Re: Navy Fed Membership Question

torebuild2014 — Fri, 02 Feb 2018 12:33:56 GMT

wrote:
wrote:
wrote:
Is there a hard pull credit check for membership with Navy Federal? I am not looking for any credit products right now, but have an opportunity to join them for an account.
Yes there will be a hard pull. But it's worth it.
@Not true. NFCU doesnt HP for membership anymore, at least for me @Anonymous 2018 . I just joined LAST WEEK.
They DO inq EWS ( Early Warninng System ) when you open checking or saving account with them.
Please check my posting about this: http://ficoforums.myfico.com/t5/Personal-Finance/NFCU-Navy-Federal-DOES-Check-EWS-Early-Warning-System/m-p/5149289#M21290

For applying credit card, YES they do HP TransUnion. Hope this help.

Yes, this is very helpful! Thank you

Re: Navy Fed Membership Question

Anonymous — Fri, 02 Feb 2018 12:52:36 GMT

I was SP'd on TU about a month ago. Welcome to the NFCU family!

Re: Navy Fed Membership Question

Glen_M — Sat, 03 Feb 2018 04:02:29 GMT

wrote:
Is there a hard pull credit check for membership with Navy Federal? I am not looking for any credit products right now, but have an opportunity to join them for an account.

HPs were standard in the past, but their policy seems to have changed recently. I've read numerous examples lately of SPs for membership. Credit products will still get you a HP though.

Re: Navy Fed Membership Question

SouthJamaica — Sat, 03 Feb 2018 13:30:27 GMT

wrote:
wrote:
wrote:
Is there a hard pull credit check for membership with Navy Federal? I am not looking for any credit products right now, but have an opportunity to join them for an account.
Yes there will be a hard pull. But it's worth it.
@Not true. NFCU doesnt HP for membership anymore, at least for me @Anonymous 2018 . I just joined LAST WEEK.
They DO inq EWS ( Early Warninng System ) when you open checking or saving account with them.
Please check my posting about this: http://ficoforums.myfico.com/t5/Personal-Finance/NFCU-Navy-Federal-DOES-Check-EWS-Early-Warning-System/m-p/5149289#M21290

For applying credit card, YES they do HP TransUnion. Hope this help.

If I'm wrong I profusely apologize.

Re: Navy Fed Membership Question

torebuild2014 — Sat, 03 Feb 2018 13:56:34 GMT

wrote:
wrote:
wrote:
wrote:
Is there a hard pull credit check for membership with Navy Federal? I am not looking for any credit products right now, but have an opportunity to join them for an account.
Yes there will be a hard pull. But it's worth it.
@Not true. NFCU doesnt HP for membership anymore, at least for me @Anonymous 2018 . I just joined LAST WEEK.
They DO inq EWS ( Early Warninng System ) when you open checking or saving account with them.
Please check my posting about this: http://ficoforums.myfico.com/t5/Personal-Finance/NFCU-Navy-Federal-DOES-Check-EWS-Early-Warning-System/m-p/5149289#M21290

For applying credit card, YES they do HP TransUnion. Hope this help.
If I'm wrong I profusely apologize.

Thank you for the response. I welcome all experiences. I think that is why it is sometimes a good thing to ask questions here as policies and experiences can and do change. My interpretation of the answers is that since I am not seeking any credit products, then I may receive just a SP, but if a product requested, then a hard pull.

Re: Navy Fed Membership Question

Anonymous — Sat, 03 Feb 2018 20:22:19 GMT

wrote:
wrote:
wrote:
Is there a hard pull credit check for membership with Navy Federal? I am not looking for any credit products right now, but have an opportunity to join them for an account.
Yes there will be a hard pull. But it's worth it.
@Not true. NFCU doesnt HP for membership anymore, at least for me @Anonymous 2018 . I just joined LAST WEEK.
They DO inq EWS ( Early Warninng System ) when you open checking or saving account with them.
Please check my posting about this: http://ficoforums.myfico.com/t5/Personal-Finance/NFCU-Navy-Federal-DOES-Check-EWS-Early-Warning-System/m-p/5149289#M21290

For applying credit card, YES they do HP TransUnion. Hope this help.