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Does NFCU pull hard for membership?

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abundancejones
Regular Contributor

Does NFCU pull hard for membership?

I plan to only open a savings account, no checking. Any recent members notice a hard after applying?

 

Is it best to go ahead and get the checking to help with CC approvals?

Message 1 of 11
10 REPLIES 10
Weights
Regular Contributor

Re: Does NFCU pull hard for membership?

They didn't for me; it was a SP on Equifax.  However, I have all my credit reports frozen, so a HP may have otherwise ensued.  They never mentioned the freeze being a problem to me upon opening my membership. 

Message 2 of 11
abundancejones
Regular Contributor

Re: Does NFCU pull hard for membership?


@Weights wrote:

They didn't for me; it was a SP on Equifax.  However, I have all my credit reports frozen, so a HP may have otherwise ensued.  They never mentioned the freeze being a problem to me upon opening my membership. 


Thanks for the reply. Did you get a checking account as well?

Message 3 of 11
Weights
Regular Contributor

Re: Does NFCU pull hard for membership?

I got the checking about a week after opening my membership.  I don't believe Chexsystem was pulled.   At the time my membership was established, I just opened the required savings account.  I also had to send them a copy of my driver license and SS card for id verification.  

Message 4 of 11
BigBS
Senior Contributor

Re: Does NFCU pull hard for membership?

Joined this afternoon and waiting to see my HP hit - expected TU or EQ.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 5 of 11
abundancejones
Regular Contributor

Re: Does NFCU pull hard for membership?


@BigBS wrote:

Joined this afternoon and waiting to see my HP hit - expected TU or EQ.


Please update when you find out. 

Message 6 of 11
Mish0817
Regular Contributor

Re: Does NFCU pull hard for membership?

Nfcu hard pulls for membership, for cc app, for any other app you might think of and I'm sure I'm getting a hp just for typing this lol ... But  treat them right and watch it grow!!



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Message 7 of 11
JediNeo
Frequent Contributor

Re: Does NFCU pull hard for membership?

In Dec I opened a savings and CC acct on the same day. There was one HP for each.
NFCU Cash Rewards | CSP | Freedom Unlimited | WalMart MC | Target Red MC | Citi Costco | AMEX BCE
Message 8 of 11
credit-hunter
Frequent Contributor

Re: Does NFCU pull hard for membership?

HP on TU for membership 3 months ago

Message 9 of 11
BigBS
Senior Contributor

Re: Does NFCU pull hard for membership?


@abundancejones wrote:

@BigBS wrote:

Joined this afternoon and waiting to see my HP hit - expected TU or EQ.


Please update when you find out. 


Received an alert, TU pulled today for membership.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 10 of 11
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