Any credit unions that do SP CLI's?

[SouthJamaica]

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.

[Sandman771]

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

[SouthJamaica]

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@Sandman771 wrote:

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

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

[FinStar]

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@SouthJamaica wrote:

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@Sandman771 wrote:

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

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

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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.

[JNA1]

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@SouthJamaica wrote:

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@Sandman771 wrote:

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

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

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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. 

[Wavester64]

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@Sandman771 wrote:

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

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Ditto here.