NFCU CLOC CLI hard or soft pull?

Medic981 · ‎01-29-2020

I have noticed on the boards that NFCU is performing SP for CLI for their CC. Does anyone know if this holds true on CLOC CLIs?

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Your FICO credit scores are not just numbers, it’s a skill.

M_Smart007 · ‎01-29-2020

@Medic981 wrote:
I have noticed on the boards that NFCU is performing SP for CLI for their CC. Does anyone know if this holds true on CLOC CLIs?

CLOC is Different department than CC's, I am gonna say EQ HP.

Anonymous · ‎01-29-2020

Agreed, it is an new credit account after all.

Also didn't AJC recently get a HP for applying for a CLOC, or was he just thinking about it?

coldfusion · ‎01-29-2020

With AJC's luck it wouldn't surprise me if he got a HP just for thinking about it.

(3/2024)
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Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Medic981 · ‎01-29-2020

I wouldn't be applying for a new CLOC as I already have a $1,000 CLOC. I wanted information from anyone if a credit line increase would be an HP or SP. I know in the past it has been an HP. With NFCU allowing CC CLI with an SP I was hoping the same might be with CLOC CLI.

Your FICO credit scores are not just numbers, it’s a skill.

Jnbmom · ‎01-29-2020

@Medic981 wrote:
I have noticed on the boards that NFCU is performing SP for CLI for their CC. Does anyone know if this holds true on CLOC CLIs?

Nope they will HP

EXP 780 EQ 791TU 795

M_Smart007 · ‎01-29-2020

@Medic981 wrote:
I wouldn't be applying for a new CLOC as I already have a $1,000 CLOC. I wanted information from anyone if a credit line increase would be an HP or SP. I know in the past it has been an HP. With NFCU allowing CC CLI with an SP I was hoping the same might be with CLOC CLI.

I will specify, EQ HP for CLI on CLOC, You can call Navy and confirm.

Nomad3 · ‎01-29-2020

I thought I read that they only SP on CC side after 1yr mark.

I guess it depends how much you are trying to get on the CLOC, with all the posts about 10k+ on them I'd let them HP for a potential 9k+ increase.

AllZero · ‎01-29-2020

Agreed with the above. I don't recall reading any data points on soft pull CLOC CLI. Expect a EQ hard pull.

M_Smart007 · ‎01-29-2020

@Nomad3 wrote:
I thought I read that they only SP on CC side after 1yr mark.

I guess it depends how much you are trying to get on the CLOC, with all the posts about 10k+ on them I'd let them HP for a potential 9k+ increase.

Except the CLOC Hard Limit is $15K Max.