Would you grant someone a loan if they had a fraud alert on their credit report? I think not.
What is the fraud alert for?
[mod cut] Lot's of people place fraud alerts on their profiles as an added level of security to avoid identity theft. In fact I can turn the fraud alert on and off just like the credit freeze. [mod cut - KiB]
@Biggcraze wrote: I specifically asked had anyone had a double hard pull. Not once did I ask for "help" getting credit. I have tons of credit already and was attempting to grow my relationship with NFCU. That is all.
To answer your question, yes I have had experience with a double HP with a CU. Not NFCU, another one. I was able to go through the process of having it removed by filling out the proper forms and waiting what seemed like an eternity. So it can be done if followed through correctly, some FI's simply don't want to be bothered by it and are restistant at first. But if you're serious about wanting it being removed it requires perstistence and patience on your part. TBH though one HP shouldn't matter if you're not racking them up, because they'll eventually fall off.
As for tons of Credit with others, then you shouldn't make it personal if one out of many don't particularly like your profile. It's certainly not personal with them. I'm curious how CLI's would work out with your other lenders having Credit Freeze and Fraud Alert active?
Likely the same thing