NFCU was no pull whatsoever for me. Many CU's state that policy as well. I joined a few for just this reason and went with Navy since I already had their secured card. There are many CU's out there that will do a Shared Secured Loan without a pull. The trick is getting one that will go out a while like 36 months or more with a small loan amount. It is graduated at NFCU meaning that you must have $3001.00 secured to do 60 months for example. My thinking is that even if you can stretch out to 24 months, you can always apply for another after the first is paid off.
The biggest challenge is finding one where you can pay the loan down to 8% immediately and keep the same loan term. In that way you get maximum Fico boosting right from the start and it will last for the full term rather than shortening the term by paying ahead of time. Navy works this way.
That is exactly what I am saying. There are threads about this. There was another CU that this was working for but that ended. NFCU works in that way. I applied for mine last Thursday, was approved in 15 minutes without any pull, paid it down Friday and next payment shows years from now at this point. Term length depends on deposit size. Even with a small deposit you could do this and then do another at the end of 12 months, 24 months etc.
The last part... keeping the same term is what makes this work long term. I am sure other CU's are options.
Please do not call NFCU or other CU's and ask about the prepayment since that could have adverse an effect on others. We are all doing this not get a Fico boost but also to gain financial trust with our fine CU lenders.