topic Re: DCU Hard Pull? in Credit Cards

DCU Hard Pull?

Anonymous — Tue, 01 Jan 2013 00:35:22 GMT

Does DCU perform a hard pull for a checking/savings account? Im looking to make the switch from Wells Fargo

Re: DCU Hard Pull?

09Lexie — Tue, 01 Jan 2013 00:36:26 GMT

They most certainly do- usually EQ

Re: DCU Hard Pull?

Anonymous — Tue, 01 Jan 2013 00:44:21 GMT

Alright thanks. From what I read I think its worth the Hard Pull

Re: DCU Hard Pull?

Anonymous — Tue, 01 Jan 2013 00:45:30 GMT

Has to be EQ too? Ugh why cant they pull TU or EXP! oh well

Re: DCU Hard Pull?

visorboy1974 — Tue, 01 Jan 2013 01:27:40 GMT

From what I see, it's EQ 100% of the time since about 2008.

Re: DCU Hard Pull?

nicholasyud — Tue, 01 Jan 2013 01:30:49 GMT

im not sure about DCU but why not USAA.

They not pulls for checking and saving account.

Re: DCU Hard Pull?

Anonymous — Tue, 01 Jan 2013 01:35:58 GMT

Well I was going to go with USAA. But, I was told DCU was better all the way around. Especially with rebuilders

Re: DCU Hard Pull?

nicholasyud — Tue, 01 Jan 2013 01:38:50 GMT

Goodluck...

Re: DCU Hard Pull?

Anonymous — Tue, 01 Jan 2013 01:39:38 GMT

Thanks...

Re: DCU Hard Pull?

kobe2012 — Tue, 01 Jan 2013 03:47:02 GMT

I just applied for their checking and savings since I had to in order to get their credit card, two pulls from EQ..

Re: DCU Hard Pull?

Anonymous — Tue, 01 Jan 2013 03:52:00 GMT

Yeaaa EQ isnt my best friend right now, I wish it were TU or Exp... I think I will wait until I am ready to apply for everything at once. I plan on getting a new car, Checking/savings acct, and CC through them so I should do all these hard pulls at once I guess??

Re: DCU Hard Pull?

Rhaeny — Tue, 01 Jan 2013 04:02:02 GMT

@Anonymous wrote:
Yeaaa EQ isnt my best friend right now, I wish it were TU or Exp... I think I will wait until I am ready to apply for everything at once. I plan on getting a new car, Checking/savings acct, and CC through them so I should do all these hard pulls at once I guess??

It will still be at least 2 hp's. As stated before you get one for membership and one for CC. So two hp's on EQ. DCU will use the same report for both CC and Auto. So no matter when you do it, you got 2 coming. I mention this to their csr about it before and supposedly they've been getting a lot of complaints about this (probably from the whole damn myFico forum members..LOL) but from the sounds of it, the solution is off on the horizon some where so don't hold your breath. Yep it sucks and I sure didn't like it either, but its just part of doing business with them I guess.

Re: DCU Hard Pull?

Anonymous — Tue, 01 Jan 2013 04:13:36 GMT

Thanks Rhaeny. How do your like your DCU account? Generous CL, APR and all that?

Re: DCU Hard Pull?

jsickz32 — Tue, 01 Jan 2013 04:24:40 GMT

they will hp for everything. even membership

Re: DCU Hard Pull?

Rhaeny — Tue, 01 Jan 2013 04:26:06 GMT

@Anonymous wrote:
Thanks Rhaeny. How do your like your DCU account? Generous CL, APR and all that?

Yea very nice CL and low APR. Going to wait a few months and hit up on a CLI. Oh and as for the checking, well your DD posts 2 days ahead of time and is FULLY available so that is a really nice benefit. And another thing I like is they show you pending transactions. A lot of banks and CU's don't show you that, but if you sometimes have a lapse in memory it helps so that you can record it. I mean other than that not much else to it.

Re: DCU Hard Pull?

Anonymous — Tue, 01 Jan 2013 04:31:52 GMT

Sounds good. The only thing im worried about is how do I make a big withdrawl if I had too? I read there is service centers all over, is that where you can make deposits and such?

Re: DCU Hard Pull?

Rhaeny — Tue, 01 Jan 2013 04:35:19 GMT

Yep...absolutely no problem putting your hands on your money. Many local CU's are called shared branches so they can access other CU's accounts. Then you have the service centers that are just that...a service center and they do nothing but service (i.e. deposits, withdrawals, transfers, etc) but no loan products.

Re: DCU Hard Pull?

09Lexie — Tue, 01 Jan 2013 06:37:33 GMT

@Rhaeny wrote:
Yep...absolutely no problem putting your hands on your money. Many local CU's are called shared branches so they can access other CU's accounts. Then you have the service centers that are just that...a service center and they do nothing but service (i.e. deposits, withdrawals, transfers, etc) but no loan products.