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Credit unions other than NFCU with soft pull CLI's?

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SouthJamaica
Mega Contributor

Credit unions other than NFCU with soft pull CLI's?

Are there any credit unions, other than NFCU, to which you can apply for a CLI without a hard pull?


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 1 of 9
8 REPLIES 8
FicoMike0
Senior Contributor

Re: Credit unions other than NFCU with soft pull CLI's?

That's a good question. I don't presently have a card with a cu. I've gotten clis from Capone (small), amex (large), and wells with sp, but have no data on cus. I did join penfed, dcu and Langley without a hp. I got a ssl from penfed with a sp.

I'm hoping I can get a cli from us b with a sp.

Message 2 of 9
titancylinder
Frequent Contributor

Re: Credit unions other than NFCU with soft pull CLI's?


@SouthJamaica wrote:

Are there any credit unions, other than NFCU, to which you can apply for a CLI without a hard pull?


Liberty Federal Credit Union does (libertyfcu.org), but I do not do business with them. See Photo. LFCU CLILFCU CLI

Fico Scores: F9 EQ 791 TU 803 EX 781 (Oct 2024 updated)
Virtually slap me if I apply for anything else before August 2026 and remind me I'll never get my U.S. Bank Altitude Reserve Visa Infinite (USBANK retired this card this card in 2024).
In garden from July 27th 2024 to August 2026.
New Accounts: 6/12 11/24. DTI less than 5%. TCL Personal 333,163. Auto loan: SETF (estimated) initially owed 47000 / Current 32000 owed @ 60 months / 3.75% / April 2023 origination
Message 3 of 9
Guyatthebeach
Valued Contributor

Re: Credit unions other than NFCU with soft pull CLI's?

@SouthJamaica,

 

Out of all the CU's I'm a member of, only Founders FCU, SCSCU and SDFCU do SP for CLI's. At SCSCU, I'm at their maximum of 25k for unsecured credit. At SDFCU, I'm at $80,500,$30,000 on the 2% cash back Visa and $50,500 on the regular Visa. I had two CLI's I requested and the others automatically  CU issued CLI's. 

Redstone appears to be hit or miss. I was told it's a HP for a CLI, some people reported it's a SP and there say a HP.  Buyer be aware! I'm not perusing any additional credit with BCU. I have first hand data on BECU as I don't have a card with and PSECU advised me to wait a year before a CLI request. 

Hope this helps. 

Guythebeach

Message 4 of 9
GZG
Senior Contributor

Re: Credit unions other than NFCU with soft pull CLI's?


@Guyatthebeach wrote:

Redstone appears to be hit or miss. I was told it's a HP for a CLI, some people reported it's a SP and there say a SP. Buyer be aware! 


redstone is 100% a HP for CLI, not sure who has reported you can get a SP CLI

Starting FICO 8:
Current FICO 8:



Message 5 of 9
CreditCuriosity
Moderator Emeritus

Re: Credit unions other than NFCU with soft pull CLI's?

Alliant is SP for cli''s 

Message 6 of 9
SouthJamaica
Mega Contributor

Re: Credit unions other than NFCU with soft pull CLI's?


@titancylinder wrote:

@SouthJamaica wrote:

Are there any credit unions, other than NFCU, to which you can apply for a CLI without a hard pull?


Liberty Federal Credit Union does (libertyfcu.org), but I do not do business with them. See Photo. LFCU CLILFCU CLI


That says it's for prequalification for credit.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 7 of 9
FicoMike0
Senior Contributor

Re: Credit unions other than NFCU with soft pull CLI's?

I keep my reports all frozen, so they're all sp for me, lol.

Message 8 of 9
cashorcharge
Community Leader
Super Contributor

Re: Credit unions other than NFCU with soft pull CLI's?


@SouthJamaica wrote:

Are there any credit unions, other than NFCU, to which you can apply for a CLI without a hard pull?


None of mine unfortunately...

Message 9 of 9
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