NFCU what credit they pull?

kugel · ‎07-28-2016

What do they pull for membership ?
Soft or hard ?
If hard can it be used for the cc?

kugel · ‎07-28-2016

They use the checksystem also ?

Anonymous · ‎07-28-2016

My membership and credit card were two TU pulls. The CLOC was EQ pull.

fltireguy · ‎07-28-2016

NO on Chexsystems. They generally pull TU for cards, and EQ for LOC, as previously stated. But, if, for example your Eq is feeling very chilly, (like mine is) so to speak, they will pull TU..

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!

Anonymous · ‎07-28-2016

I just filed BK on 7/5 and joined NFCU shortly after. They only pulled EQ for my membership but that was due to me wanting a checking accoung with them. I had my husband join as well piggy backing off my joining and they didn't pull anything on him (at least that we've gotten an alert for). When I worked for PenFed they would make sure your credit worthyness for a checking account, so it made sense to me they pulled mine, but not his.

kugel · ‎07-28-2016

Harlygirl did they give u a cc with bk?

Anonymous · ‎08-12-2016

@Anonymous wrote:
My membership and credit card were two TU pulls. The CLOC was EQ pull.

How can you tell which pull is from EQ and which is for TU? all NFCU pull on my report just says "Navy Fed"? Thanks!

Anonymous · ‎08-12-2016

@Anonymous wrote:
@Anonymous wrote:
My membership and credit card were two TU pulls. The CLOC was EQ pull.
How can you tell which pull is from EQ and which is for TU? all NFCU pull on my report just says "Navy Fed"? Thanks!

I applied for membership and a card first. There were two TU pulls. A few days later I applied for the CLOC. EQ pull.

Anonymous · ‎08-23-2016

When I applied for a CC 6 months ago they pulled my Experian.

When I applied for a refinance 3 months ago they pulled my Experian.

When I applied for a new (used) car loan 2 weeks ago they pulled my TransUnion.

When I spoke wtih a rep, she explained there was nothing they can do, but that she believes that for some reason they pull Exp for new members and TU once you already have bank products with them. Doesn't make sense, but I guess it is what it is.

Anonymous · ‎08-23-2016

@Anonymous wrote:
When I applied for a CC 6 months ago they pulled my Experian.

When I applied for a refinance 3 months ago they pulled my Experian.

When I applied for a new (used) car loan 2 weeks ago they pulled my TransUnion.

When I spoke wtih a rep, she explained there was nothing they can do, but that she believes that for some reason they pull Exp for new members and TU once you already have bank products with them. Doesn't make sense, but I guess it is what it is.

Well in my case they pulled TU for membership, and then again for CC.