@Anonymous wrote:I am soooooooo mad. I applied for a NFCU CC on Sunday and they pulled TU and declined me on Monday. I sent in a Recon letter Monday and lo and behold I get an alert from Equifax this morning (Tuesday) that they hard pulled me again for the same application.
I wanted their card but not so bad that I wanted to use two hard pulls for it. The point is I can still be denied and will have wasted two pulls. I am assuming that when you apply you are at the mercy of these institutions to do whatever they want but when considering the same app why pull again within less than 48 hours. It seems they are searching to find something to deny the app for since I proved the income they had issue with in the original app. I guess next they will pull Experian.
I have heard that Cap One does this but I did not know NFCU practiced these double pulls. I have never wanted a card so bad that I wanted a double pull.
Anyone familiar with this practice by NFCU? What gives??? When you recon with them is it their practice to pull another report as if something changed within a few hours?
I'm sorry your recon didn't work out. 
Unfortunately, there are many posts on here where people ended up with an additional HP after a NFCU recon. IMO it's a weakness in their process... they HP for almost anything and everything, including recons.
For what it's worth, many people who have been denied by NFCU have reported that sometimes just a few months later they reapply and are approved. You should be getting a letter that will outline any issues that might need to be addressed.
@JustcallmeTM wrote:I find that weird on all levels that they would double pull on a recon, usually they just send it back to the underwriters to look at it again. Now I been with them since 1999 if there is one thing I do know is they pull Equifax more than Transunion. Transunion pulls from NFCU to me is hit or miss, I never been pulled by NFCU via transunion thats since 1999 every one has been Equifax for me. On the other hand my DW gets hit on both, but her reports are more sketchy.
I see it like this if NFCU is pulling Transunion on you its because your already borderline to them, no offense or anything but they are Equifax dominant and they only pull Transunion because those scores are more friendier than if they used Equifax. NFCU uses Fico 4 scores to determine your CLI and products.
Im sorry to hear for your troubles but this is unlike NFCU, to me the issue is NFCU opening up accounts via navy league since that influx everything has been getting messed up to be honest. Its the same way USAA is now closing account for fake credentials, NFCU will end up going through the same thing in another year if they keep letting people in via navy league.
NFCU pulled EQ for my credit card when I applied last year, but for the last few months most people on here have reported having a HP on TU for credit cards, and EQ for the CLOC. EQ is also pulled for credit card CLIs when they have to do a HP (I had this happen myself in September).
From what I've read in various threads, recently for recons they tend to pull the other bureau (whichever one wasn't originally pulled) or occasionally they will pull the same one a second time. 
@UncleB wrote:
@JustcallmeTM wrote:I find that weird on all levels that they would double pull on a recon, usually they just send it back to the underwriters to look at it again. Now I been with them since 1999 if there is one thing I do know is they pull Equifax more than Transunion. Transunion pulls from NFCU to me is hit or miss, I never been pulled by NFCU via transunion thats since 1999 every one has been Equifax for me. On the other hand my DW gets hit on both, but her reports are more sketchy.
I see it like this if NFCU is pulling Transunion on you its because your already borderline to them, no offense or anything but they are Equifax dominant and they only pull Transunion because those scores are more friendier than if they used Equifax. NFCU uses Fico 4 scores to determine your CLI and products.
Im sorry to hear for your troubles but this is unlike NFCU, to me the issue is NFCU opening up accounts via navy league since that influx everything has been getting messed up to be honest. Its the same way USAA is now closing account for fake credentials, NFCU will end up going through the same thing in another year if they keep letting people in via navy league.
NFCU pulled EQ for my credit card when I applied last year, but for the last few months most people on here have reported having a HP on TU for credit cards, and EQ for the CLOC. EQ is also pulled for credit card CLIs when they have to do a HP (I had this happen myself in September).
From what I've read in various threads, recently for recons they tend to pull the other bureau (whichever one wasn't originally pulled) or occasionally they will pull the same one a second time.
For membership my CC, CLOC and all CLI all have been Equifax I have never been pulled a Transunion report thats going back since 1999 when I was in the Navy. My DW on the other hand has had both pulled, originally Equifax for her membership and first CC, her second CC was Transunion, and the LOC was back on Equifax. Most of her CLI attempt which wasnt instant ended up being Transunion pulls, learned that the AR is not guranteed CLI every 3 months. I tend to feel if they are pulling your Transunion they are just trying to approve you. They tend to favor Equifax more at the end for most of there products.
