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How many Hard Pulls do you have on your CR's?

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Hightechredneck
Frequent Contributor

Re: How many Hard Pulls do you have on your CR's?

40 Most are set to drop off in October 14.

Message 21 of 43
leegreen
Frequent Contributor

Re: How many Hard Pulls do you have on your CR's?


@pip3man wrote:

yes I used to live with household members back in 2011 who are currently on active duty. We don't live in the same state anymore tho


Your sponser would have to join first...then they can get you in. Check out the membership eligibility page:

https://www.navyfederal.org/how-to-become-a-member/how-to-become-a-member.php 

 

also search the forum for NFCU and you will find a lot of customers and fans...

06/26/2014 - Gardening until 7/1/15
NFCU NavCheck 15k, cashRewards VS 14k, nRewards 14k
Amex BCE 15k, CapOne Quicksilver MC 3k, USAA Platinum MC 2k, Discover It 1k
Jared 5.1K, Zales 5k, Lowe's 15k, Home Depot 5k
Message 22 of 43
leegreen
Frequent Contributor

Re: How many Hard Pulls do you have on your CR's?


@Bman70 wrote:
I think NFCU leaves honorable vets off their list - which is why I went with USAA. Boggles the mind that a one-year Coast Guard enlisted can join but a disabled Vietnam veteran isn't allowed. I'm a vet (not Nam, that was just example), tried to join but was told veterans aren't eligible. Unless 20-year retired. 

 

I didn't know that, I joined in boot camp so it never was an issue for me...are you still on inactive reserves? or did you get out a long time ago?

06/26/2014 - Gardening until 7/1/15
NFCU NavCheck 15k, cashRewards VS 14k, nRewards 14k
Amex BCE 15k, CapOne Quicksilver MC 3k, USAA Platinum MC 2k, Discover It 1k
Jared 5.1K, Zales 5k, Lowe's 15k, Home Depot 5k
Message 23 of 43
EW800
Valued Contributor

Re: How many Hard Pulls do you have on your CR's?


@pip3man wrote:

@EW800 wrote:

My HP's are:

 

TU - 1

EQ - 0

EX - 0

 

 


I wish I was you right now lol Smiley Mad


 

That is nice of you to say, but you don't want the rest of my credit report.  Smiley Sad  I've got a foreclosure and a credit card settlement that I am recovering from, but at least my inquiries look good!   

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 24 of 43
Bman70
Established Contributor

Re: How many Hard Pulls do you have on your CR's?


@leegreen wrote:

@Bman70 wrote:
I think NFCU leaves honorable vets off their list - which is why I went with USAA. Boggles the mind that a one-year Coast Guard enlisted can join but a disabled Vietnam veteran isn't allowed. I'm a vet (not Nam, that was just example), tried to join but was told veterans aren't eligible. Unless 20-year retired. 

 

I didn't know that, I joined in boot camp so it never was an issue for me...are you still on inactive reserves? or did you get out a long time ago?


Out in 1999. Oh well USAA is nice enough Smiley Happy . The criteria for NFCU I was told was "receiving pay from the DOD." Which is why vets can't join, once they're out.

 


EX 822
TU 834
EQ 820


Message 25 of 43
CreditDipp
Established Member

Re: How many Hard Pulls do you have on your CR's?

in the last two years Mine are.

 

Ex:8

Eq:5

Tu:6

 


Starting Score: 581 (4/20/14)
Current Score: 696 (6/21/14)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 26 of 43
MoreRewards
Established Contributor

Re: How many Hard Pulls do you have on your CR's?

EQ 4
1- 3/13
1- 4/13
1- 10/13
1- 12/13 (from Cap 1 360 though I didn't want their LOC!)

EX 6
1- 3/13
1- 4/13
2- 7/13
2- 5/14

TU 7
1- 7/12
1- 4/13
1- 6/13
2- 7/13
2- 10/13
EQ 773 * EX 786 * TU 797
Message 27 of 43
celluloid17
Established Contributor

Re: How many Hard Pulls do you have on your CR's?

Equifax: 1 (3/2013)

 

Experian: 4 (3/2013, 11/2013, 2/2014, 4/2014) 

 

Transunion: 4 (11/2012, 3/2013, 3/2013, 2/2014) 

 

 

I plan to app for Fidelity Amex on June 2 and I'm assuming that will be an Experian pull, which would bring it up to 5 inquires and leaving me with a total of 10 inquires combined (yikes!).  I definitely plan to garden after that upcoming app because I do hope to start shopping for an auto loan next Summer. 

Message 28 of 43
Longroad
Established Contributor

Re: How many Hard Pulls do you have on your CR's?

Experian 17

Equifax 8

Transunion 6

Message 29 of 43
Stralem
Established Contributor

Re: How many Hard Pulls do you have on your CR's?

I don't know the exact number, but I do know that 5 inquiries either aged off or hit the 1 year mark this month, and my TU FAKO (according to Barclays and Discover) shot up 30 points.

 

 

Huh. Who knew five measely INQs could matter so much. Smiley Happy

I Have Way Too Many of These.

American Express - No CLI or Appreciation Gift in 7 Years

Citibank - Handing Out Credit Limits Like Candy

Chase - Surprisingly, Still Tolerating My Credit-Chasing Ways

Bank of America - My Newest Bae.

Everyone Else.
Message 30 of 43
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