topic Re: NFCU Hard pull in Credit Cards

NFCU Hard pull

Cageym — Thu, 02 Aug 2012 23:50:45 GMT

I joined NFCU yesterday in preparation for applying for a card with them and I just happened to look at CreditKarma and apparently they did a hard pull. I was going to wait until my 0 balance showed up on my CapOne card to see if it moves my Fico any, which should be on the 8th or so and do it then. Now I'm thinking they already did the hard pulll maybe I should call and see if I qualify instead of risking another one. If I get a high enough limit from them I won't be applying for any more cards for probably 6 minths or so anyway but that shows two HP's on my record now but nothing recent, the last one was when I got the CapOne a year and a half ago. The EQ I pulled a couple of days ago has no inquiries on it. Opinions anyone?

Re: NFCU Hard pull

iMacDrew — Thu, 02 Aug 2012 23:52:23 GMT

Go for it. Approved apps and cli are always Hp. You could get lucky since it is so recent, i would app over the phone to see if they can pull your recent inquiry.

Re: NFCU Hard pull

Anonymous — Sun, 05 Aug 2012 00:17:42 GMT

Go for it! Last guy I told to go for it with scores similar to yours got a $7k CASH rewards card

Re: NFCU Hard pull

DaveSignal — Thu, 02 Aug 2012 23:56:53 GMT

They only did one HP for me and that was for both membership and CC application.

Re: NFCU Hard pull

Cageym — Thu, 02 Aug 2012 23:58:06 GMT

I was just hoping I could get enough movement on my Fico from paying off a 91% util card to 0 bal to get a higher limit. My Cap One due date for payment is on the 5th of the month and the statements are dated the 8th so I'm hoping I'm okay to wait until the Fico catches up with that then apply.

Re: NFCU Hard pull

iMacDrew — Fri, 03 Aug 2012 00:09:39 GMT

Even if you app after the 8th they may run an inq. Butthat is the only bad side of navy fed. And if you're gonna wait 6 months before app for another card you'll be fine. If you don't get the cl you want recon over the phone. I apped over the phone, the csr reps are very nice.

Re: NFCU Hard pull

Karunch — Fri, 03 Aug 2012 00:22:29 GMT

NFCU does a HP when you apply for membership, and then they'll most likely do another HP when you apply for a CC. I believe that when I joined I got a HP on EQ, and then when I applied for a CC I got a HP on TU. Or vice versa, I could have that backwards.

I'm pretty sure that if you apply for a CC you'll get another HP, but it will probably be worth it though since they're known to give out higher CL's. But as with everything, YMMV.

Re: NFCU Hard pull

Cageym — Fri, 03 Aug 2012 00:30:33 GMT

Yep, but this whole credit thing is all about patience anyway, there really is no fast way. So I can wait a week or so then check my score again. Then app. And I think I've done alright bring it up almost 100 points in a year and a half with very little effort on my part. To a point that I can get a decent card from NFCU anyway.

Re: NFCU Hard pull

Anonymous — Fri, 03 Aug 2012 15:14:12 GMT

this is def ymmv thing and luck of the draw. some have reported joining and apping for multiple products under the same pull then you have me. i joined then same day mind you apped for cashrewards and was denied. later that night i apped for their secured nrewards. the result: 3 hps on transunion 2 hps on equifax

Re: NFCU Hard pull

calihlove75 — Fri, 03 Aug 2012 15:30:41 GMT

@Cageym wrote:
I was just hoping I could get enough movement on my Fico from paying off a 91% util card to 0 bal to get a higher limit. My Cap One due date for payment is on the 5th of the month and the statements are dated the 8th so I'm hoping I'm okay to wait until the Fico catches up with that then apply.

I agree I would wait but just know in my experience TU seems to take 10 days after the other CRA to update (they are soo slow). When I applied for membership they pulled TU, but when I applied for the cc they pulled TU again and EQ. There is a place to put notes on the application and I had told them that my EQ reflected a collection (now off!) that I was disputing. That could of been the reason for them pulling TU again, in addition to EQ.

Considering your card is maxed out, I agree about waiting since you paid it off. A lower limit or denial would be silly in this case when you could just wait a couple of weeks to be safe. They started me at $9000 when my highest limit (only a month old at the time) was only $3000 and my overall utility was around 18-20%. NFCU is super cool to work with

Re: NFCU Hard pull

CS800 — Fri, 03 Aug 2012 15:33:20 GMT

When I joined I remember I had 3 TU and 2 EQ HP's from them. Called the SCR and it was escalated, 2 HP from TU and 1 from REQ were removed. I only applied for their CC and a car loan. I checked and they did indeed remove the excess inqs. They had no clue why so many were pulled in 2 days.

Re: NFCU Hard pull

Anonymous — Fri, 03 Aug 2012 15:43:24 GMT

@CS800 wrote:
When I joined I remember I had 3 TU and 2 EQ HP's from them. Called the SCR and it was escalated, 2 HP from TU and 1 from REQ were removed. I only applied for their CC and a car loan. I checked and they did indeed remove the excess inqs. They had no clue why so many were pulled in 2 days.

I tried and tried to get them to remove the excess inquiries and they refused. oh well next month hits a year anyways so the ding has faded

Re: NFCU Hard pull

calihlove75 — Fri, 03 Aug 2012 15:43:50 GMT

@CS800 wrote:
When I joined I remember I had 3 TU and 2 EQ HP's from them. Called the SCR and it was escalated, 2 HP from TU and 1 from REQ were removed. I only applied for their CC and a car loan. I checked and they did indeed remove the excess inqs. They had no clue why so many were pulled in 2 days.

I wonder if I should politely ask if they could remove the extra transunion? Maybe it wouldn't be worth it. Transunion is my problem report for inquiries. I have 3 from Cap 1/hsbc over one card which I have disputed over and over. Might not even be worth it to put myself through that again with what seems like a great company!

Re: NFCU Hard pull

Cageym — Fri, 03 Aug 2012 15:47:50 GMT

I signed up for the USAA CMS since I'm a member there anyway and it shows NFCU did a pull on TU for the membership but I was talking to the credit card guy on the phone and he said it should have been a SP. He also said they pull EQ for cards. He advised me to apply for the Platinum since I'm not all that concerned about rewards and it has the lowest APR. I'm not planning on using the card that much like I said before, only major usage will be on vacation then pay it off ASAP. Certainly not enough to earn any real amount of points. Maybe the cash rewards wouldn't be bad though. So since they have a place for notes on the app once it shows 0 bal on EQ I'll shoot them an ap and put someing in there about 0 util on the account. You guys are a vault full of info and it all helps alot. I've come pretty far in 1.5 years on my own but I've learned a lot more in the last few days from this forum just by reading posts!!

Re: NFCU Hard pull

Cageym — Fri, 03 Aug 2012 19:05:56 GMT

Just got off chat with CapOne. Statement generation date is the 26th of the month so that's when they update with the CRA'a. I'll wait until then since I want that util down before I ap for it. Also they are not doing CLI's at this time, at least for my card. Standard "You will receive a letter in 7 to 10 days" response.