Which CRA Is Pulled for NFCU Membership and PLOC?

SOGGIE · ‎06-18-2021

Which CRA's does NFCU soft pull for membership and LOC (TU, EQ, EX, ChexSystems, EW, LexisNexis, etc.)? I'm reading somewhat outdated info, TU for memberships and EQ for LOC.

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

OmarGB9 · ‎06-18-2021

I'm not sure about the LOC, but I can confirm the membership is a TU HP.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

babygirl1256 · ‎06-18-2021

NFCU was a HP for me via TU -but- I also applied and was approved for the Go Rewards MC. Well worth the pull (to me).

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850

SOGGIE · ‎06-18-2021

Whoa! HP for membership?

Thanks @OmarGB9 and @babygirl1256. I wasn't expecting that.

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

DONZI · ‎06-19-2021

I applied for membership just 9 days ago via telephone and IIRC the representative told me there wasn't going to be any HP involved. To that end, I have not had any alerts thus far of any hard inquiries.

I joined and created a flagship checking and required savings account and that was all. The following days were occupied with providing some ID/address verification via secure message, pushing some seed money into the account(s) and most recently, delivering the 97HX form (Tax ID Verification).

I have yet to refresh my 3B myFICO report (I'm thinking a HP would cause an alert with myFICO, yes?) so I've yet to audit the time window of the application...

Maybe a HP of any CRA is representative dependant?

[2020-12-09]=[EQ8|786]-[TU8|746]-[EX8|772] .... gardening until I can't (again).
[2023-10-01]=[EQ8|797]-[TU8|776]-[EX8|775]

wildboys · ‎06-19-2021

@SOGGIE wrote:
Which CRA's does NFCU soft pull for membership and LOC (TU, EQ, EX, ChexSystems, EW, LexisNexis, etc.)? I'm reading somewhat outdated info, TU for memberships and EQ for LOC.

They do not do a credit check for membership.

Mr_Mojo_Risin · ‎06-19-2021

I don't recall any HPs for membership for a few years I believe.

Should just be a SP from TU.

The LOC will be a HP.

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL

SOGGIE · ‎06-19-2021

@DONZI , @wildboys and @Mr_Mojo_Risin:

Thanks for the confirmation!

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

LawStudentCivilis · ‎06-19-2021

I have never read about NAVY conducting a HP for membership only. If I did, I would have never joined. I joined last fall and there was a TU SP. Hope this helps.

AverageJoesCredit · ‎06-19-2021

@LawStudentCivilis wrote:
I have never read about NAVY conducting a HP for membership only. If I did, I would have never joined. I joined last fall and there was a TU SP. Hope this helps.

Wow, so Navy isnt worth a hp? Thats crazy especially to think not everyone can join and the benefits that are gained with Navy Fed far outway a hp that stays on a report for 2 years, 1 scorable. Membership is for life. To each their own i guess