Opting out won't affect a creditor's ability to HP your report ~ it only stops the CRAs from selling your info for promotional / marketing purposes.
My thinking is, if someone doesn't have an existing relationship with a creditor, in this case NFCU, and he/she is opted out, then a would be SP for membership only, would then have to be a HP -- since no existing relationship exists and no SP PP.
Otherwise, I still don't understand why I got HP'ed and others got SP'ed when we are only talking about membership. I feel robbed =/ lol
I applied to Join NFCU on 11-22-2013. I just pulled EQ and see a SP from NFCU on record for same date. I have not checked other CRAs yet, but I also have not been accepted or app'ed for any products.
I also have a FA on all 3 CRAs since Oct 30, 2013 for 90 days. which may or may not help in this situation. Will verify with EXP and TU shortly and update if i see any other pulls for applying for membership.