NFCU Pre-Approved, then DENIED!

ElvisCaprice · ‎02-17-2026

@pizzadude wrote:
@CreditCrusader wrote:
And yet, the applicant is saddled with a hard pull that sticks on the CR for two years.

Really getting fed up with the games these institutions play with people's credit. I avoid many of them like the plague for this very reason.
FICO only cares about the HP for one year, it's ignored after that

True, but as you know, FICO isn't the only determinant. That 2 years of most recent data in the profile often is more important.

BofA:

Citi:

AAdvantage Platinum Select MC (for SUB ONLY)

US Bank:

Shoppers Cash Rewards 6% Walmart, (PC to Cash+)

Chase:

Aven:

RH:

Spend: Less than 10k per year organic (frugal). MS varies, can be more significant.

(Oct of 26) Scorecard: Clean, Thick, Mature (Always PIF)

HP's: EQ 1/6, 2/12, 5/24 | TU 0/6, 3/12, 5/24 | EX 0/6, 2/12, 6/24

New Accounts: 1/6, 7/12, 9/24

Pppoolboy · ‎02-25-2026

Exactly. People forget that approvals are based on profile, not score. The score just gets you in the door.

51-year-old licensed banking and finance attorney. Series 65 registered investment advisor. Southern California. I am happy to educate anyone under the age of 40 but I will not argue with you because you know nothing and I have better things to do. I have been doing this longer than you've been alive. If you want my advice, you can pay me with sincere gratitude or money, and not necessarily in that order.