NFCU Using Same Pull?

CreditBunny · ‎11-23-2018

I apped for a CLOC today and got instantly approved for 15k pulling via Equifax. Was surpised about that and seeing if they will use the same HP for an auto loan? If so, how long do I have to app before it becomes a new additional HP?

App Spree right now- Going to start gardening Jan 2017

Medic981 · ‎11-23-2018

Welcome to the myFICO forums!

Most likely it will be a separate HP. The running joke on the forum about NFCU is that is if you call them up and ask about the weather, you will see a HP on your bureau file.

NFCU treats each request for credit as a separate HP with a few exceptions, one being after an account review for CLIs.

Bank of America Cash Rewards Visa Signature : 8/17 : $11.2K APR 18.99%

SYNCB - Amazon Prime Store Card : 9/17 : $5K APR 28.24%

Synchrony Car Care : 9/17 APR 29.99%: $2.5K

Synchrony - Conoco : 9/17 : $1.55K APR 29.24%

American Express Everyday Cash : 7/18 : $20K APR 18.74%

Citi Bank Double Cash World Elite MasterCard : 8/18 : $6.5K APR 3.99%

NFCU Flagship Rewards Signature Visa : 11/18 : $25K APR 9.99%

Chase Sapphire Preferred Visa Signature : 10/19 : $8.2K APR 19.99%

PenFed Gold Visa Signature : 03/20 : $7.5K APR 16.49%

Bank of America Amtrak Guest Rewards Platinum Mastercard : 11/20 : $8K APR 18.99%

Synchrony Bank - CareCredit: 12/20 : $4K APR 26.99%

Synchrony Bank - Lowes: 7/21 : $7K APR 25.99%

Chase Freedom Unlimited Visa Signature : 10/21 : $12.3K APR 19.99%

Chase Southwest Airlines Rapid Rewards Priority Visa Signature

USAA Preferred Cash Rewards Visa Signature Card

Your FICO credit scores are not just numbers, it’s a skill.

19eighty5 · ‎11-23-2018

Congratulations on your CLOC approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Adam11 · ‎08-24-2019

I am new to the forum. I had bk discharge in FEB and just got my secured card moved to unsecured by NFCU after 3 statements.(increase from 500-->2000). I got excited when I saw the increase and I tried to apply for flagship and 5K loan right after the increase...flat out denied. I want to app for the CLOC or get another CLI from 2000-->10K. Should I wait?

myFICO EQ 627, TU 635, EX 619.

Thanks!