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@Anonymous wrote:Thanks for this thread idea. I'm pretty well resolved on trying my luck with NFCU early next year once my current gardening period ends, so I'd be very interested to find out what they pull for CC apps in my state (Virginia).
Virginia here, apped a month ago. HP on TU instant approval for $25k.
Date you applied? 10/16/2018
-What product/CC/loan/CLI did you apply for? Cash Rewards Visa. Instant approval for 10k
-Your home state? CA
-Any freezes/locks or disputes in process? No
-Bureau pulled? TU
-Hard or Soft Pull? HP
This is great. However, is the information provided in our responses enough for the banks to identify us, and take AA if they desired?
-Date you applied? 12/18/2018
-What product/CC/loan/CLI did you apply for? NFCU Flagship Rewards VISA
-Your home state? California
-Any freezes/locks or disputes in process? Approved for $10K once TU unfrozen
-Bureau pulled? TransUnion
-Hard or Soft Pull? HP
they could do a process of elimination and narrow down the choices if they really wanted to do but what is really the concern here? sharing information about credit checks and approvals isn't a negative action. Credit Unions want customers. NFCU wants customers, they just don't want churning or points manipulation.
-Date you applied? 12/24/18
-What product/CC/loan/CLI did you apply for? NFCU Flagship Signature Visa
-Your home state? WA
-Any freezes/locks or disputes in process? No
-Bureau pulled? Equifax
-Hard or Soft Pull? HP
Notes: Member since 05/2017. Had savings/checking/Go Rewards card. Approved for $15,000.