@Anonymous wrote:
@I find it funny that 10 times out of 10 when someone starts off with the phrase "I'm not trying to be rude..." it's always a rude comment. Let me make it clear, I wasn't upset that Navy "went out of their way to try and get a CLI" @Anonymous. I said in my original post that I had all my credit reports frozen (or so I thought) as to avoid this type of situation. Navy is known to pull EQ and sometimes TU. As a data point for those who come behind me I was letting them know that if you have those bureaus frozen but EX unfrozen then they will pull it. Was I annoyed that they pulled EX? Sure! Why? because all the lenders at Navy that I've talked to have told me they pull EQ for loans and such. If they try to pull the bureau and it's frozen then they will deny the request. Case closed. I wouldn't have had a problem with the denial bc I was specifically trying to get a SP CLI. And last time I checked, people are allowed to vent. No snarky comments are needed. Thanks.
I personally appreciate your coming here to let us know that in this instance NFCU pulled EX for you... it's not something we hear of very often, since as you accurately state they are known to usually pull TU and EQ. This is a valuable data point, and I believe it will be helpful to others going forward.
My only addition to what's been said is that you might consider redirecting your negative feelings away from NFCU, since it's well-known around here that just because a lender "usually" pulls a particular credit bureau it can always change. Unfortunately when it does change they don't bother to send us a notice (that would be nice, though)... somebody, like yourself, has to find out the hard way.
It's against the TOS of this site to discuss freezing particular credit bureaus to 'force' a lender to check a more favorable one, and I'm only posting here because I believe that in this case that genuinely wasn't your intent. With that being said - and keeping this conversation within the TOS - it was your error in not having EX froze that allowed it to be pulled to begin with, but you've already stated that. I've had similar 'doh' moments (a few recently) and when that happens I try to own it... there's little use in directing anger elsewhere for something that could have been prevented had I done something differently.
I'm genuinely sorry this happened to you... it's always lousy when something works out differently from what we're expecting, but in this case I would actually have to give NFCU credit for attempting to go the extra mile to grant a CLI that you actively requested. It's hard to see fault in that, and even if their behavior wasn't what was expected it was still within the 'rules'.
Finally, please don't feel like you can't vent here - many, including myself have and do! Just remember that you set the tone when you start a thread, and if you're primarily venting you'll get more sympathy if you openly 'own' your missteps rather than direct the fault elsewhere. 
@Anonymous wrote:Not trying to come off rude, but you are upset because they went the extra mile to attempt to give you a CLI? I would attempt recon by sending in paystubs via secure message online, they will use the same INQ.
+1
You've already taken the HP so you might as well make the most of it. Most people will send in their last two pay stubs (attach to a secure message) and request your CLI to be reconsidered.
I'll only add that you might want to make it clear in your message that you don't want another HP (or either make sure that EX is now locked), since sometimes Navy will HP even on recon (YMMV), and you don't want to make the HP situation worse.
If you decide to move forward, let us know how it goes! 
