@CreditCuriosity wrote:@SouthJamaica here anything back from them today? Kinda bored and have an itch
😮
@cashorcharge wrote:I didn't think to ask you @SouthJamaica , as a general rule, I keep everything frozen and then unfreeze each bureau accorordingly when I am applying for something. That being said, I usually try to find out which will be pulled so I only unfreeze what is necessary in advance.
In your case, do you always keep all 3 bureaus open and thus giving them free reign to pull all 3 or did/do you keep them locked and they messaged you something to the effect of "please unfreeze all your reports for us to process this application?"
Considering the variation on responses here, that would be helpful to know. Thanks
I don't freeze anything. I don't even know how to freeze something 
@CreditCuriosity wrote:@SouthJamaica here anything back from them today? Kinda bored and have an itch
Nope. I'll update when I do.
With my luck I'll get the triple pull and the denial
Bang.
Denial.
Triple pull only to be met with denial.
Bye bye Andrews Federal Credit Union, thanks for nothing.
That is quite unfortunate. 
Not sure what your recourse would be with 2 extra pulls.
@AllZero wrote:That is quite unfortunate.
I'm sure I don't have any recourse other than to remove myself from Andrews FCU and stay far, far away.
@AllZero wrote:That is quite unfortunate.
There really wouldn't be any as SJ mentioned upthread. There is no explicit lending policy by Andrews FCU that states we only use 1 and only 1 HP for either membership or any lending products.
@SouthJamaica, sorry this didn't work out in the end. A lot of us were rooting for success, but as we can definitely witness, it's always going to be YEMV. I definitely appreciate the DPs and I'm sure the community does as well.
I would be curious, if you care to share at some point, what their reasons were for not getting the approval. I'm currently a member and I believe it was Gmood1 or woodyman100 who offered some insight way back. I knew they were conservative (for my profile) but still spun the wheel cuz you know maybe there's a fantastic prize? Nope, no prize. My timing was off by new accounts and inquiries. HP on EX several years ago, so this one will have to wait and wait and wait some more.
@FinStar wrote:
@AllZero wrote:That is quite unfortunate.
There really wouldn't be any as SJ mentioned upthread. There is no explicit lending policy by Andrews FCU that states we only use 1 and only 1 HP for either membership or any lending products.
@SouthJamaica, sorry this didn't work out in the end. A lot of us were rooting for success, but as we can definitely witness, it's always going to be YEMV. I definitely appreciate the DPs and I'm sure the community does as well.
I would be curious, if you care to share at some point, what their reasons were for not getting the approval. I'm currently a member and I believe it was Gmood1 or woodyman100 who offered some insight way back. I knew they were conservative (for my profile) but still spun the wheel cuz you know maybe there's a fantastic prize? Nope, no prize. My timing was off by new accounts and inquiries. HP on EX several years ago, so this one will have to wait and wait and wait some more.
The reasons were excessive debt relative to income and too many inquiries.
