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What Do They Consider To Many Inquiries?

Established Contributor

Re: What Do They Consider To Many Inquiries?

you have no idea buddy! Im sure any nfcu member can vouch for that, call customer service and ask them what your credit limit is and take a HP, call and ask if your car payment posted and take 3 hp's!!! sara had enough in 2 years, with a few softs she was bumping her own inquires.


We are extreme, I called and apped for a platinum card and was given a 1k limit, called activated the card, then told the rep to close it, app for a cash rewards card and instant 10k... Called and got nav check 5k, called 3days later uped it to 10k and added wife as joint holder and bump to 15k, took 3 pulls for that stunt. Should have done 15k the first time.

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 11 of 14
Frequent Contributor

Re: What Do They Consider To Many Inquiries?

Wow....I just asked for an increase....another hard pull I guess lol

Starting Score: 601
Current Score: 670
Goal Score: 700

Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Message 12 of 14
Valued Contributor

Re: What Do They Consider To Many Inquiries?

and im mad i have 4 HPs from NFCU...
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 13 of 14
Valued Contributor

Re: What Do They Consider To Many Inquiries?

Maybe all their hard pulls is their way of making sure you just bank with them.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 14 of 14