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Congrats on the very nice SL.
Just note, Navy doesn't reuse pulls for credit cards. Each card application wil result in a new hard pull.
Congrats on approval , very nice SL
Well done! I agree with AJC about choosing any other cards carefully. Take you time and get the cards you want. Again, congratulations!
@Anonymous wrote:Congrats on the very nice SL.
Just note, Navy doesn't reuse pulls for credit cards. Each card application wil result in a new hard pull.
I have to make a correction on that. Navy will SP on remaining credit card application or any loan application falls under the same department unless the previous application from HP is too old.
If you apply a loan from a different department in NFCU, you will get HP each time because they are using different models of FICO score.
I got lucky that when I refinance for auto loan I received SP which supposes to be HP. I spoke with the loan officer in person and she confirmed about the loan department and HP impact on credit application.
Congrats on the approval, What bureau did they pull for you?
@Anonymous wrote:
@Anonymous wrote:Congrats on the very nice SL.
Just note, Navy doesn't reuse pulls for credit cards. Each card application wil result in a new hard pull.
I have to make a correction on that. Navy will SP on remaining credit card application or any loan application falls under the same department unless the previous application from HP is too old.
If you apply a loan from a different department in NFCU, you will get HP each time because they are using different models of FICO score.
I got lucky that when I refinance for auto loan I received SP which supposes to be HP. I spoke with the loan officer in person and she confirmed about the loan department and HP impact on credit application.
There's a small correction due here as well... while a HP can occasionally be reused when you apply for an auto and CLOC (since they are the same department) the same isn't true for credit cards.
One should expect a fresh HP for each and every card applied for, even if it's the same day.
Also, if there's already a HP on file for an auto loan, I would do the CLOC over the phone to ensure the same HP was used (if possible), since if you do it online it's likely the automation will pull another automatically.
Edited to add: Big congrats, @Anonymous!