NFCU CLI

[huzchris]

Does anyone know if NFCU does a hard pull for CLI or is it still YMMV?

[FinStar]

There's a pretty informative thread floating around that discusses a variety of data points.

Click the link below to learn more:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Thread-for-CLI-and-Additional-...

[Pragma]

I think below 25K they can pull soft if at all. Above 25K is a hard pull. Went 25 to 50 on the Flagship and they pulled EQ only.

[crys12065]

Well they have done a hard pull with every CLI I have requested with them, 3 total. When I called them once they me a CLI is always a HP.  

[Pikaboo-icu]

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@crys12065 wrote:

Well they have done a hard pull with every CLI I have requested with them, 3 total. When I called them once they me a CLI is always a HP.  

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THIS ^^ NFCU will HP you for a phone call...LOL  Not really but they are very Hard Pull Happy. 

[Anonymous]

I have seen credit unions in general pull over a simple bank account opening.

[Anonymous]

If you catch them right after an AR, you have a CHANCE of a SP but with NFCU, you should always expect a HP and be happy if it’s just a SP. 

[Anonymous]

I tried CLI and they denied, but no HP.. I'm at 25k max

[MikeGolf]

If you have the fico score on your CC products, you will be able to see when the conduct an AR on your account. If your 6 months from for last CLI most of the time is a SP if you hit the love button after an AR.