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Any credit unions that do SP CLI's?

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SouthJamaica
Mega Contributor

Any credit unions that do SP CLI's?

It seems that every CLI request I've made to a credit union has been accompanied by a hard pull.

 

I was wondering if anyone knows of any credit unions that process CLI requests with a soft pull.


Total revolving limits 710800 (590300 reporting) FICO 8: EQ 712 TU 710 EX 710

Message 1 of 6
5 REPLIES 5
Sandman771
Valued Contributor

Re: Any credit unions that do SP CLI's?

I've done several through app and through website with Navy and it was always a soft pull

Starting Score: EQ497/TU496/EX 499
Currently: EQ 620 TU 654 EX 627
in the garden since 6/16/2021
Message 2 of 6
SouthJamaica
Mega Contributor

Re: Any credit unions that do SP CLI's?


@Sandman771 wrote:

I've done several through app and through website with Navy and it was always a soft pull


Are you sure about that? My last CLI request with NFCU was met with a hard pull on TU.


Total revolving limits 710800 (590300 reporting) FICO 8: EQ 712 TU 710 EX 710

Message 3 of 6
FinStar
Moderator Emeritus

Re: Any credit unions that do SP CLI's?


@SouthJamaica wrote:

@Sandman771 wrote:

I've done several through app and through website with Navy and it was always a soft pull


Are you sure about that? My last CLI request with NFCU was met with a hard pull on TU.


There's always a possibility that you'll run the risk for a HP -- not very common, though.  That said, the majority of cases reported in the two separate NFCU mega threads have indicated most individuals receiving SP CLIs when processed via the mobile app or via desktop -- calling typically could result in a HP.

 

Some CUs like PenFed, DCU, EFTCU, and others may offer SP CLIs *if* you're have a pre-approved offer for it.  Otherwise, I would expect a HP in the majority of cases when you initiate a request absent of any offers.

Message 4 of 6
JNA1
Valued Contributor

Re: Any credit unions that do SP CLI's?


@SouthJamaica wrote:

@Sandman771 wrote:

I've done several through app and through website with Navy and it was always a soft pull


Are you sure about that? My last CLI request with NFCU was met with a hard pull on TU.


I have gotten 3 Navy SP CLIs (including one 2 weeks ago) and DW has gotten 4. I guess like anything, there are exceptions to the rule. 

Our credit card journey started 3/2018

Hover over cards to see limits and usage. Total CL - $584,600. Cash Back and SUBs earned as of 9/1/22- $15292.65
CU Memberships

Goal Cards:

Message 5 of 6
Wavester64
Valued Contributor

Re: Any credit unions that do SP CLI's?


@Sandman771 wrote:

I've done several through app and through website with Navy and it was always a soft pull


Ditto here. Smiley Happy






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