NFCU Question

[dddfresh]

Now. Call in. Going to be two hard pulls. Prpare to verify income on LOC. ymmv. Vert very generous

[Nobylspoon]

My score was 659 with a couple of baddies when I joined a few weeks ago. I was pre-approved for the siggy cashRewards ($18K) I also refinanced the remaining $11K auto loan and got a $3k NavCheck.

I can't wait to get my VA Home Loan through them next year

[hersheykisses]

Well got the 3-5 day message, spoke to representative they said probably an issue because exquifax is locked, was hoping they would pull transunion.

[starry1]

I got the 3-5 day message, they just wanted me to bring in documents to prove who I am and where I live.  Call in the morning and ask what's up.

[Anonymous]

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@kerbear1969 wrote:

Well got the 3-5 day message, spoke to representative they said probably an issue because exquifax is locked, was hoping they would pull transunion.

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Thats like apping for AMEX with your experian frozen, not going to happen. Unlock your Equifax and app there 99% likely not going to pull transunion

[hersheykisses]

Well they SP transunion when i joined so i just figured they would run a HP through them, guess not.

[j_casteel]

they pull EQ 99% of the time for cards, etc.

like mentioned unfreeze your EQ and then try again.

[Rhaeny]

Yea you can't trick NFCU into pulling the bureau of your choice.  It's EQ for credit products and TU for memberships.  Unfreeze your EQ and you'll be fine getting approved.

[webhopper]

Fyi, I apped nfcu with eq frozen and they were able to pull TU which helped me because I spread my nfcu HPs between two bureaus

[webhopper]

So ya, they pulled TU for membership, credit card, and auto refi. They pulled EQ for LOC and new car loan