State Department FCU - Hard Pull for membership ap... - myFICO® Forums

peghede · ‎09-07-2016

App for membership and DECLINED.

Denial Reasons : Number of recent inquiries Number of recent accounts

Do they hp or sp?

Anonymous · ‎09-07-2016

@peghede wrote:
App for membership and DECLINED.
Denial Reasons : Number of recent inquiries Number of recent accounts
Do they hp or sp?

HP

Aduke1122 · ‎09-07-2016

I was reading others on the forum who said recently they have started doing HPs on memebership app , it used to be SP , some still slide in with a SP so I'm not sure what to make of it .

Anonymous · ‎09-08-2016

@Aduke1122 wrote:
I was reading others on the forum who said recently they have started doing HPs on memebership app , it used to be SP , some still slide in with a SP so I'm not sure what to make of it .

That has happened with NASAFCU, too. I was fortunate enough to get in with both with a soft pull, including a credit card with NASA. I must have been one of the last people I have read about that was able to do that. I am grateful.

Anonymous · ‎09-08-2016

.

SDFCU "changed" their membership application process in December 2015

It is a Hard Pull for Membership.

.

SouthJamaica · ‎12-05-2016

@peghede wrote:
App for membership and DECLINED.
Denial Reasons : Number of recent inquiries Number of recent accounts
Do they hp or sp?

Inspired by a recent post about how great SDFCU was, I applied for membership, and was declined because my "identification" score was insufficient

I'm pretty sure I"m me.

They said the only way I can join is to come there in person.

I'm not interested in getting involved with an institution that's that stupid.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

peghede · ‎12-06-2016

Yeah i tried to recon over the phone with them months ago, they told me to i can join all i have to do is to come there in person.......yeah right like im gonna go 9 states away.

SouthJamaica · ‎12-06-2016

@peghede wrote:
Yeah i tried to recon over the phone with them months ago, they told me to i can join all i have to do is to come there in person.......yeah right like im gonna go 9 states away.

Run, don't walk.