topic Re: NFCU CLI in Credit Cards

NFCU CLI

huzchris — Wed, 24 Jan 2018 22:49:04 GMT

Does anyone know if NFCU does a hard pull for CLI or is it still YMMV?

Re: NFCU CLI

FinStar — Wed, 24 Jan 2018 23:14:33 GMT

There's a pretty informative thread floating around that discusses a variety of data points.

Click the link below to learn more:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-Cards/td-p/3419729

Re: NFCU CLI

Pragma — Sat, 02 Feb 2019 00:32:19 GMT

I think below 25K they can pull soft if at all. Above 25K is a hard pull. Went 25 to 50 on the Flagship and they pulled EQ only.

Re: NFCU CLI

crys12065 — Sat, 02 Feb 2019 00:37:42 GMT

Well they have done a hard pull with every CLI I have requested with them, 3 total. When I called them once they me a CLI is always a HP.

Re: NFCU CLI

Pikaboo-icu — Sat, 02 Feb 2019 04:01:48 GMT

@crys12065 wrote:
Well they have done a hard pull with every CLI I have requested with them, 3 total. When I called them once they me a CLI is always a HP.

THIS ^^ NFCU will HP you for a phone call...LOL Not really but they are very Hard Pull Happy.

Re: NFCU CLI

Anonymous — Sat, 02 Feb 2019 05:20:54 GMT

I have seen credit unions in general pull over a simple bank account opening.

Re: NFCU CLI

Anonymous — Sat, 02 Feb 2019 17:37:54 GMT

If you catch them right after an AR, you have a CHANCE of a SP but with NFCU, you should always expect a HP and be happy if it’s just a SP.

Re: NFCU CLI

Anonymous — Sun, 03 Feb 2019 00:08:44 GMT

I tried CLI and they denied, but no HP.. I'm at 25k max

Re: NFCU CLI

MikeGolf — Mon, 04 Feb 2019 18:15:33 GMT

If you have the fico score on your CC products, you will be able to see when the conduct an AR on your account. If your 6 months from for last CLI most of the time is a SP if you hit the love button after an AR.