Question about credit unions

[Anonymous]

Hi all! Just wondering...when applying for membership at a CU, do they always pull your credit report or only if you're applying for credit products as well? Just curious!

[marty56]

Randolph Brooks in San Antonio pulled TU for opening a checking account.  IMHO most banks and CU's will do this now.

[Anonymous]

Almost all do at time of membership. Most pull a hard INQ, some a soft and a hard when you apply for credit. Each institution has their own credit practices - many are considerably different from the banks you may be used to dealing with.

Message Edited by creditwherecreditisdue on 08-31-2009 12:19 PM

[Anonymous]

NFCU, Addison Avenue and USAA soft pull for membership.

Alliant, PenFed, PSECU and many others hard pull.

[Anonymous]

NFCU never pulled my credit to open the account.  If they did it never showed on my CR.

[jackg]

Generally speaking most CU's will do a hard pull for membership at EQ. There are always exceptions.

Good Luck