DCU Membership *hard pull or soft pull* ?? - myFICO® Forums - 3587585

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DCU Membership *hard pull or soft pull* ??

All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

Lines of Credit:
Personal Loan:

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450

Message 1 of 10

9 REPLIES 9

Hard pull on Equifax for me. Just for savings account.

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800

Message 2 of 10

100% a Hard Pull

Message 3 of 10

I concur hard pull for sure. I opened checking / savings there early this year and took a HP.

Message 4 of 10

I believe it's a YMMV situation.

I opened a DCU checking + savings and while they asked me for my EQ to be unfrozen, my latest EQ report showed no inquiry from them.

But most others here say it's an HP.

Message 5 of 10

Sometimes double HP like me

Message 6 of 10

Was a double HP for me but totally worth it, theyre great

Message 7 of 10

At least it's an Equifax pull. It's not like it happens often.

Message 8 of 10

HP for me as well but they typically will offer you other products as well

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

Message 9 of 10

HP for membership and checking / savings, another if applying for credit products. As mentioned, the initial HP might pre-approve you for some other products.

Guide to travel cards

Message 10 of 10