NFCU Application HP's

[bpcnabe]

Q: Does NFCU use the same HP for applications made within days of each other or are they separate?

Reason: I app'd them back in Aug when I joined but was denied. They suggested secured card but I passed. I want to try again, but scores not much better than before, mid 600's. If rejected again and I do go secured route, do they use same hp or is it another? Thx.

[Anonymous]

NFCU uses a HP for every application and every CLI request. At least that his been my experience. It’s not like PenFed where you may use the same HP for up to 90 days

[Anonymous]

NFCU will tell you they try to use the same pull if it is within 30 days and the same family of products (credit cards are TU, personal loans are EFX for example).  Right after they say that they immediately follow up with the disclosure that they can HP for any request at the discretion of the underwriter / LO.