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NFCU auto refi no hard pull

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Anonymous
Not applicable

NFCU auto refi no hard pull

So I joined NFCU the other day.  I applied for their cc and got approved for a low SL of $700.  By far my lowest CL.  But the next day I went into the branch and they refi'd my car for $26,000 at a low interest rate.  The lady hit a few buttons on her computer and told me I was approved with NO hardpull.  Has anyone else experienced my situation?  I don't see many threads about their auto refi approvals and I see tons of threads about high SL with NFCU.  I'm so confused!

2 REPLIES 2
Glen_M
Frequent Contributor

Re: NFCU auto refi no hard pull

What I suspect is happening, if you truly do not end up seeing a hard pull, is that your hard pull for the credit card was recent enough that they used the same report for the auto refinance.



Message 2 of 3
Anonymous
Not applicable

Re: NFCU auto refi no hard pull

They definitely used the same pull.

 

DCU does the same thing.  A hard pull within X days (forget if it's 30,60,90) should be used for all loan applications within that time.

Message 3 of 3
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