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NFCU pulls

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Anonymous
Not applicable

Re: NFCU pulls

-Date you applied?
* 11.13.18

-What product/CC/loan/CLI did you apply for?
* Membership, Cash Rewards, CLOC

-Your home state?
* Cali

-Any freezes/locks or disputes in process?
* None

-Bureau pulled?
* TU (Cash Rewards), EQ (CLOC)

-Hard or Soft Pull?
* HP

-NOTES:
*Approved for both CR & CLOC
Message 21 of 27
Anonymous
Not applicable

Re: NFCU pulls

Date you applied? 2/8/2019
-What product/CC/loan/CLI did you apply for? Platinum Visa
-Your home state? Fl
-Any freezes/locks or disputes in process? Nope
-Bureau pulled? Tu
-Hard or Soft Pull? Hp
-NOTES: *Enter any add'l info or DP's here*
Originally became a member in October 2018. App'd for Credit Card (Platinum Visa) then with credit score of 544 due to high utilization (95%) DENIED. App'd for a small personal loan ($1800) to pay off credit card debt DENIED Tried to recon and was told to reapply over the phone with collateral ($1400 secured loan) DENIED Recon again told to reapply with co-signer for personal loan ($1000) DENIED again. I gave up.
Spent the next few months paying off my cc debt my own to boosted my scores to 696, 708 & 686 as of mid February.
I decided to app for the Platinum one more time on Feb 8th and was instantly approved for $6,600 with a credit score of high 600 low 700's.
My DH whos never had credit until November 2018 (age 37) got a Cap 1 QS for $1,000 after I added him as an AU on my 2 year old cc. In December he app'd for a CLOC and was approved for requested amount of $3,000. He then app'd for a CC (I think the Platinum or CR) in February after building some history with them and was instant denial with a credit score of 688. **Reason for denial** Too many recently opened accounts (He only has 1 Cap 1 cc and the CLOC and hes an AU on 2 of my cards.) So we don't really understand the denial. He didn't recon either.

Message 22 of 27
Anonymous
Not applicable

Re: NFCU pulls


-Date you applied?   2/15/18
-What product/CC/loan/CLI did you apply for? Cash Rewards Visa
-Your home state? NY
-Any freezes/locks or disputes in process? no, due to CRA
-Bureau pulled? TU - only have FA on EX
-Hard or Soft Pull? HP
-NOTES: *joined in Aug or Sep of 2018.  Have personal checking, savings, IRA.  

also have Business checking and savings.  All accounts are free, which is nice but I am underwhelmed by the business account.  There have been so many bugs and outages that the service is unreliable.  and paying $1/month is not a lot of money but a bit annoying to be able to deposit checks on mobile app.  

 

I was approved for $15,000 SL.  I was given option to choose VISA or MC.  I chose VISA because I was convinced there was no way to get WEMC from them, if I am wrong, please let me know, next time i'll go MC route when I have choice.  Because of the 1.5% earnings and no FTF I may actually use this card overseas for travel and the VISA Signature designation can provide some value.  

AGain, if I can get a WEMC I would totally change or do that my next card.  I now have a few VS but only have one WEMC and it's my stupid sub-prime BuyPower Card that is bucketed at $1,250 CL.  

Message 23 of 27
GreatAlaskan
Valued Member

Re: NFCU pulls

-Date you applied?                                                                              02-22-2019
-What product/CC/loan/CLI did you apply for?                             Cash Rewards CLI
-Your home state?                                                                              Alaska
-Any freezes/locks or disputes in process?                                   1 dispute in process
-Bureau pulled?                                                                                   Equifax
-Hard or Soft Pull?                                                                              Hard Pull
-NOTES: *Enter any add'l info or DP's here*                                  Application Denied, no counter, will not reconsider.

 

Had NFCU for banking/savings since 2010, NFCU Rewards Visa $8K with perfect history & w/o any CLI requests, just hit 2yrs.
 
I'm still rebuilding credit.  F8 EQ:592 TU:612 EX628.  F9 EQ562.

 

Payed off all my cards this month ($12K), a Military Star Card collection ($4.5K), added $2.3K to Discover secured to max it at $2.5K.  
 
Scores came up 20-28pts this month paying off NFCU from max+ to zero, it reported the 10th. 
 
Salary is 170K anul
NFCU $8K, MAC FCU $1.5K, Discover IT Secured $2.5K, CreditOne $400
Mortgage standards DTI is 18% with rent @$1100mo
Current employment since late 2016

Message 24 of 27
Emierja99
Contributor

Re: NFCU pulls

Date you applied?

I applied for Membership and Everyday Checking on 5/5/2019.
I applied for CC on 5/6/2019.

-What product/CC/loan/CLI did you apply for?

I app'd for Memebership, Cash Rewards, and Everyday Checking.

-Your home state?

Georgia

-Any freezes/locks or disputes in process?

One dispute currently in process with TU.

-Bureau Pulled?

TU

-Hard or Soft Pull?

Hard Pull

-NOTES:

Membership initially was approved and I did not see any pulls. But on 5/7/2019, I was prompted to send in verification documents of DL and POA through secure upload. I visited the branch the same day and submitted the documents. They approved the membership, I deposited $100 into savings and they supplied me with my debit card.

Later that day, I was locked out of my account. I called to see what the problem was and they stated that I needed to submit more documents, this time it was SSA-89. I downloaded the documents and submitted through secure upload.

On 5/8/2019, I see a HP on TU report for NFCU.

I believe they attempted to try and access my Equifax report but they are having problems, which is why the SSA-89 was requested. I am currently awaiting to hear back from them about my membership.

On 5/7/2019, there was a HP on TU for CC app. But I was given the 24 hour message. When I called in to check on status they didn't have any updates and stated that I should wait for the letter in the mail. I believe the card was affected by my membership verification process. We will see in about a week. I'll update.





Message 25 of 27
Anonymous
Not applicable

Re: NFCU pulls

Which bureau does nfcu pulls for membership and cards in Illinois?
Message 26 of 27
Anonymous
Not applicable

Re: NFCU pulls


@Anonymous wrote:
Which bureau does nfcu pulls for membership and cards in Illinois?

The information in this thread about credit pulls for NFCU membership is outdated. NFCU no longer does credit pulls just for membership applications.

 

There are no absolute certainties in the credit world but the vast majority of data points for credit card applications says that they will pull your TransUnion FICO score.

Message 27 of 27
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