topic Re: Ahhh NFCU why ?? in Credit Cards

Ahhh NFCU why ??

CS800 — Mon, 08 Jul 2013 17:54:51 GMT

Out of the blue, I get a scorewatch alert, logged into it and saw 7/7 a hard inq from NFCU. I have not even applied for anything with them in over 3 weeks. My last request with them was a CLI on my Ncash and all my bureaus were frozen. They did say they did a SP for that but still 3 weeks ago.

I only called to ask how could my APR be reduced on my car loan. I was specific and said 'what's your process?' I also said I don't want to apply for anything. Yet BAM a new INQ. I had to unlock my EQ since I will soon look for a home refi for 10 years but havent done so yet.

Sent them a message via secure mail. Just annoying !

Re: Ahhh NFCU why ??

starry1 — Mon, 08 Jul 2013 19:25:50 GMT

You know they hard pull just for dialing their number. But seriously, they are insanely pull-happy, almost my entire inquiry file is NFCU.

Re: Ahhh NFCU why ??

Creditcurious74 — Mon, 08 Jul 2013 17:55:16 GMT

@CS800 wrote:
Out of the blue, I get a scorewatch alert, logged into it and saw 7/7 a hard inq from NFCU. I have not even applied for anything in over 3 weeks.

I only called to ask how could my APR be reduced on my car loan. I was specific and said 'what's your process?' I also said I don't want to apply for anything. Yet BAM a new INQ.

Sent them a message via secure mail. Just annoying !

I feel your pain!!! . Several months ago I had a similar case and I made them remove the inquiry from my CR however the supervisor had to go back and listen the conversation I had with customer service lady when I was very clear I didn't want a HP, I'd call and request to remove the inquiry.

Re: Ahhh NFCU why ??

Anonymous — Mon, 08 Jul 2013 18:01:11 GMT

I have to agree with starry1. Just thinking about calling, logging into your acct or driving by a branch can result in a HP.

Re: Ahhh NFCU why ??

CS800 — Mon, 08 Jul 2013 18:11:54 GMT

That come in at #2

#1 was USAA telling me that the CLI will be a SP. Puts me on hold and goes to check with underwriting. Underwriting confirms CLI will be soft pull. I proceed with CLI..The next day...scorewatch says USAA inq

Call and asked to escalate. Told supervisor that 2 agents double checked for me and said soft pull.

Supervisor: I'm sorry you were given the wrong information. We always HP for CLI. I'm very aggravated and did not take no as an answer on this one. Appaprently he will contact the depeartment to see how it can be removed.

Equifax says t have USAA fax them a letter stating they are removing the inq and they will do that in 1 week. I pass the info to the supervisor. He still says, 'I'm trying to figure out who to contact to get this removed'

Now NFCU. I'm nervous to even call them for a question.

Re: Ahhh NFCU why ??

Creditcurious74 — Mon, 08 Jul 2013 18:31:05 GMT

Call NavyFCU and asked to talk to a supervisor and request to hear the phone call and they will make the HP into a SP that's was happened in my case.

Re: Ahhh NFCU why ??

GatorGuy — Mon, 08 Jul 2013 19:22:15 GMT

@Anonymous wrote:
I have to agree with starry1. Just thinking about calling, logging into your acct or driving by a branch can result in a HP.

Lol...

Re: Ahhh NFCU why ??

dodfire — Mon, 08 Jul 2013 19:28:20 GMT

DODFIRE - Not responding to this thread out of fear of being HP'd by NFCU !

Re: Ahhh NFCU why ??

Anonymous — Mon, 08 Jul 2013 19:45:32 GMT

Re: Ahhh NFCU why ??

starry1 — Mon, 08 Jul 2013 20:10:08 GMT

@dodfire wrote:
DODFIRE - Not responding to this thread out of fear of being HP'd by NFCU !

Too late, your presence has been noted.

Re: Ahhh NFCU why ??

CS800 — Mon, 08 Jul 2013 20:15:37 GMT

@dodfire wrote:
DODFIRE - Not responding to this thread out of fear of being HP'd by NFCU !

Nice !!!!!!!!!!!!!

Mentioning NFCU in subject line of a thread = HP

Re: Ahhh NFCU why ??

CS800 — Mon, 08 Jul 2013 20:16:53 GMT

Requesting your password be reset since you forgot your login info = HP

Re: Ahhh NFCU why ??

shols44 — Mon, 08 Jul 2013 20:34:31 GMT

typing NFCU in google chrome....HP!.........HP again for daring to beg for mercy!

Re: Ahhh NFCU why ??

mark293 — Mon, 08 Jul 2013 20:36:22 GMT

Now thats funny

Re: Ahhh NFCU why ??

Creditcurious74 — Mon, 08 Jul 2013 20:56:19 GMT

Just spoke with a NavyFCU rep for something else and asked her about APR reduction and she confirm they will do a HP for that request, now that's plain stupid IMO.

Re: Ahhh NFCU why ??

GatorGuy — Mon, 08 Jul 2013 20:58:27 GMT

I asked Navy Federal why they always need to do a HP and the nice lady told me before she could answer she would need to do a HP.

Re: Ahhh NFCU why ??

Anonymous — Mon, 08 Jul 2013 20:59:38 GMT

Re: Ahhh NFCU why ??

starry1 — Mon, 08 Jul 2013 21:03:12 GMT

Sometimes I feel like a tree. NFCU has marked me so much, no other creditors would dare come sniffing around.

Re: Ahhh NFCU why ??

CS800 — Mon, 08 Jul 2013 21:09:56 GMT

Talking bad about NFCU gets you one HP on all 3.

Re: Ahhh NFCU why ??

Anonymous — Mon, 08 Jul 2013 22:21:55 GMT

Will they remove a HP resulting from new membership?

I asked the CSR if membership would be SP or HP. I was surpised that she knew what I was talking about and assured me it would be a SP. I confirmed this 3 times in the phone call and even said "if it is a SP, then yes. but if this is a HP, then no I am not interested in becoming a member at this time." She assured me not to worry, it is a SP.

Well, of course, it was a HP.

I called back the next day trying to ask them to remove it, and the first CSR told me she had to transfer me to see if it could be done. Then the line got disconected and I just gave up.

Everyone was telling me to expect a HP, so I did not call back.

Should I try again? Do you think they will remove it?