Official Credit Unions Guide

[Anonymous]

Hey baller does NFCU pull TU or EQ for C/C. Im getting alot of mixed reviews

[baller4life]

IME they try to pull EQ first and if it's unavailable they will pull TU. But, here lately there have been reports of TU pulls even with an open EQ. So, it's really hard to call.

[Anonymous]

oH SHOOT. Well if thats the case I definitely better just chill on applying. Ill wait on it until I get my TU Up. Any suggestions?

[heyryan]

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@baller4life wrote:
IME they try to pull EQ first and if it's unavailable they will pull TU. But, here lately there have been reports of TU pulls even with an open EQ. So, it's really hard to call.

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They're all over the map. They pulled EQ for my Cash Rewards, and TU for my goRewards. If you look at the credit pulls DB, there doesn't seem to be much consistency.

[baller4life]

Which is really odd since it used to be that it was EQ for loan products and TU for membership. My EQ was on ice for both my CC apps and they pulled TU. However for my CLOC they refused to accept anything but EQ. So, I had to thaw it.

[baller4life]

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@Anonymous wrote:

oH SHOOT. Well if thats the case I definitely better just chill on applying. Ill wait on it until I get my TU Up. Any suggestions?

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To be on the safe side, I would wait till both TU and EQ are 600+. In the meantime work on any baddies you may have and garden the cards you have! 😉

[Anonymous]

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@heyryan wrote:

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@baller4life wrote:
IME they try to pull EQ first and if it's unavailable they will pull TU. But, here lately there have been reports of TU pulls even with an open EQ. So, it's really hard to call.

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They're all over the map. They pulled EQ for my Cash Rewards, and TU for my goRewards. If you look at the credit pulls DB, there doesn't seem to be much consistency.

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They consistently don't pull EX  

[peghede]

wrong. i had the TU and Eq on lock and they pull EXP.

[baller4life]

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@peghede wrote:

wrong. i had the TU and Eq on lock and they pull EXP.

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This. Yes they will pull EX for cc app as a last resort if TU and EQ are frozen.

[CreditMagic7]

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@baller4life wrote:

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@peghede wrote:

wrong. i had the TU and Eq on lock and they pull EXP.

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This. Yes they will pull EX for cc app as a last resort if TU and EQ are frozen.

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Ah Useful info to maybe consider. Thanks