NFCU CLI hard pull

Monster23 · ‎03-07-2024

So today I applied for a cli throught the nfcu app after seeing that it only performs a soft pull. However it was denied and my credit Karma profile updated this morning telling me it added a hard pull? I was seeing even recent forums saying it would only be a soft pull. It's kind of upsetting considering the fact I requested to get my utilization down to help increase my credit but ended up taking a hit instead. Any advice?

pizzadude · ‎03-07-2024

Moved to Credit Cards forum

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

stonedog23 · ‎03-08-2024

You've got to freeze those reports and let them tell you a hard pull is needed. I'm in a similiar situation. While I get soft pull Navy increases, for the life of me, I cannot get a US Bank soft pull like everyone else. It drives me crazy.

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($40,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($21,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , One Key Mastercard ($14,000), Citi Double Cash ($11,600), US Bank Cash Plus($10,000), Discover It Cash ($9000), Capital One Quicksilver MC ($9000), TD Cash ($8000), Bank of America. Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500 manually lowered to $500), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 778, TU 765, EX 758 FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years

Shooting-For-800 · ‎03-08-2024

Get a copy of your credit report.

It is free any time you are denied credit.

I literally request a CLI every month on my NFCU Amex for $1k on my $29k card.

They deny me every month with SP.

It is a little game we play. I have $79k TCL with them and they just won't let me hit their $80k ceiling so I can good about myself.

Anyway, check your direct CR and double check that HP.

Rebuild started in 2014 - $100k unsecured credit in 2017 - $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

Traveler101 · ‎03-09-2024

@stonedog23 wrote:
You've got to freeze those reports and let them tell you a hard pull is needed. I'm in a similiar situation. While I get soft pull Navy increases, for the life of me, I cannot get a US Bank soft pull like everyone else. It drives me crazy.

Spot on. You made me laugh 😃. I'm with you on USb.