NFCU Credit Line Increase Soft or Hard Pull?

[JoeRockhead]

@JMD2 Via the app it's a SP... 

[TryItAgain]

If that was soft, it's the first time I have heard NFCU do soft pull over hard pull once CL amount exceeds 25k limit.

Grats nonetheless, always ask for 8k or more next time.

[gilbertlok]

Was it a hard pull or soft when you use the app ?

[titancylinder]

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@gilbertlok wrote:

Was it a hard pull or soft when you use the app ?

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Navy Fed is always a soft pull via the App. But if you call into their Pensacola Call Center, it'll be a hardpull. No point in calling in because the CSR has no more authority than the app.

If the request goes to review, it'll again be a soft pull. Navy is not an aggressive hard puller like other CU's. 

[gilbertlok]

Awesome great to know. I was thinking getting a business credit card and another person. By chance you know they can use the same inquiry that same day instead of getting 

[titancylinder]

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@gilbertlok wrote:

Awesome great to know. I was thinking getting a business credit card and another person. By chance you know they can use the same inquiry that same day instead of getting 

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Unfortunately you won't be able to do that. NFCU business lending is walled off from personal lending. They're not a great CU for business owners and are known to be extremely conservative with their limits. 

If you apply you'll probably have to wait a few days to hear back from that department. 

You can post in the business section for better guidance. 

[ThomasJNewton]

Sorry, I realized that I never answered the question, I can confirm it was not a hard pull. Never checked if they did a soft pull, so I cannot confirm they did any pull, but I would guess they did. :-)

[kh_jenn]

Thank you for sharing this update! I'll go ahead and close this thread to new replies, but please feel free to continue your discussion in the Approvals board. Thank you!