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NFCU Credit Pulls

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rightcoast
Frequent Contributor
‎12-28-2012 07:51 AM
‎12-28-2012 07:51 AM

NFCU Credit Pulls

Does anyone know what bureaus NFCU pulls for checking and credit cards? Thanks I plan on applying soon

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+
Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 1 of 14
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13 REPLIES 13
jsickz32
Valued Contributor
‎12-28-2012 07:53 AM
‎12-28-2012 07:53 AM

Re: NFCU Credit Pulls

Depends by person. They have only pulled TU for me. They pull both EQ and TU for others.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 2 of 14
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rightcoast
Frequent Contributor
‎12-28-2012 08:05 AM
‎12-28-2012 08:05 AM

Re: NFCU Credit Pulls

Awesome. Hopefully they pull Transunion for me. I just had two PFD's removed on my Transunion. Thanks for the input. I think I will apply today

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+
Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 3 of 14
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rightcoast
Frequent Contributor
‎12-28-2012 08:06 AM
‎12-28-2012 08:06 AM

Re: NFCU Credit Pulls

I have old medical debt on my equifax... hopefully they won't pull that

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+
Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 4 of 14
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jsickz32
Valued Contributor
‎12-28-2012 08:13 AM
‎12-28-2012 08:13 AM

Re: NFCU Credit Pulls

When i apped i had a joint CO and they didnt say anything about it.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 5 of 14
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Rhaeny
Valued Contributor
‎12-28-2012 08:24 AM
‎12-28-2012 08:24 AM

Re: NFCU Credit Pulls

I just app'd a week ago today and they pulled both TU and EQ.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 6 of 14
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Sweets8E
Frequent Contributor
‎12-28-2012 08:30 AM
‎12-28-2012 08:30 AM

Re: NFCU Credit Pulls

I've been with them since 2001 and they've always only pulled EQ for me. I've heard that they do TU too for some things.

Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three

Take the FICO Fitness Challenge
Message 7 of 14
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dodgeball
Established Contributor
‎12-28-2012 08:34 AM
‎12-28-2012 08:34 AM

Re: NFCU Credit Pulls

 I wouldnt worry about the negatives on your credit report to be honest as long as you have somewhat of a decent score you will be okay. My credit report is far from perfect have the middle of the road credit score and have two credit cards with them one for 10k and one for 7k. My next highest is with chase at 4k and to get that limit I had to pull teeth,

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 8 of 14
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rightcoast
Frequent Contributor
‎12-28-2012 08:40 AM
‎12-28-2012 08:40 AM

Re: NFCU Credit Pulls

This is all good news to me. Seems like a honest bank. Wells fargo...not so much. So I am making a change

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+
Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 9 of 14
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rightcoast
Frequent Contributor
‎12-28-2012 08:41 AM
‎12-28-2012 08:41 AM

Re: NFCU Credit Pulls

Thanks for your contributions, I may drive to NFCU rather than apping online or via phone. Figured they may work with me more in that case

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+
Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 10 of 14
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