How long does it take a hard pull to appear?

[iltph]

I joined NFCU about a month and a half ago. I applied for a CC with them a few days after I joined. I just reapplied over the phone because I had just about all of my baddies removed so my CR is a lot cleaner. They told me they would let me know within 3-5 business days. I just checked my CR with EQ (directly with them) about an hour later and I'm not seeing the inquiry. Does this mean they didn't do a hard pull and are going to base their decision on what my report looked like 45 days ago? Or, does it take a while for the inquiry to show up with EQ?

[Anonymous]

I joined NFCCU in May '08. Took a hard inquiry the same day - so I applied for 2 cc's. CSR told me if you apply for the same product (meaning a cc or 2 cc's) within 30 days, they can use your initial CR. But, if you apply for a different product, i.e., NAVcheck LOC, they'll do another hard pull.

When I joined, the hard inquiry appeared on my EQ report the next day. I doubt they would use a CR that is 45 days old. As far as cc's go, NFCU is backed up a bit, now that they have expanded their membership base. It may take a little longer for them to get to yours.

[iltph]

I checked my CR with a few times and noticed it started showing up about 8-10 hours after I applied. I then called and applied for overdraft protection then checked my EQ again less than an hour later and the second hard pull from today was showing up. 

[cobra]

Yes, a NAVchek LOC is a different product - hence, another hard pull. At least, that's how they explained it to me.

If you apply for a 2nd CC within 30 days of your first one, they would use your initial credit report.