Author Topic: Getting Approved For A CC With A Soft Pull  (Read 11885 times)

Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #45 on: December 13, 2015, 05:41:30 PM »
Thanks for this useful information!

1. In order to apply for Nasa FCU I need to be affiliated with the army in some way, I don't have any family members that retired the army, the only relation may be that my grandparents are holocaust survivors (does it help?), how can I join this (or any) union?
Become a member of the National Space Society.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Mendel93

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Re: Getting Approved For A CC With A Soft Pull
« Reply #46 on: December 13, 2015, 05:48:48 PM »
Become a member of the National Space Society.
It's $20? Just wanna make sure.

Offline Josef.koney

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Re: Getting Approved For A CC With A Soft Pull
« Reply #47 on: December 13, 2015, 07:37:57 PM »
Become a member of the National Space Society.
Then ur called in the army?

Offline Cappy

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Re: Getting Approved For A CC With A Soft Pull
« Reply #48 on: December 13, 2015, 08:45:54 PM »
Thanks for this useful information!

1. In order to apply for Nasa FCU I need to be affiliated with the army in some way, I don't have any family members that retired the army, the only relation may be that my grandparents are holocaust survivors (does it help?), how can I join this (or any) union?

2. I tried applying 3-4 years ago for USAA I was blacklisted because I couldn't prove to them that I was in the army. Later came to my attention that I could have said I'm not in the army and I would've gotten their membership anyway, so now because I'm blacklisted by them am I blacklisted by any other "army" lenders?

3. You mentioned PenFed approves more then card with 1 HP within a 90 period. Is this only applicable for Credit Unions or.. In other words, which CC Provider uses the 1 HP for a 90 day period?

P.S. I did start reading C.B. thank you!

Seriously!!!

All this for a soft pull approval?

Apply for a prime bank like Citi and be done with this...

Stop worrying about a hard pull or 2.

You'll realize soon how silly you are being

Offline David Smith

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Re: Getting Approved For A CC With A Soft Pull
« Reply #49 on: December 13, 2015, 08:52:58 PM »
Seriously!!!

All this for a soft pull approval?

Apply for a prime bank like Citi and be done with this...

Stop worrying about a hard pull or 2.

You'll realize soon how silly you are being
I'm a bit confused about this also, but that's none of my business. He seems not to want to give more info about why he needs specifically soft pulls, which he's perfectly entitled to.
« Last Edit: December 13, 2015, 09:08:47 PM by David Smith »
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Mendelssohn

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Re: Getting Approved For A CC With A Soft Pull
« Reply #50 on: December 14, 2015, 08:19:04 AM »
Thanks for this useful information!

1. In order to apply for Nasa FCU I need to be affiliated with the army in some way, I don't have any family members that retired the army, the only relation may be that my grandparents are holocaust survivors (does it help?), how can I join this (or any) union?

2. I tried applying 3-4 years ago for USAA I was blacklisted because I couldn't prove to them that I was in the army. Later came to my attention that I could have said I'm not in the army and I would've gotten their membership anyway, so now because I'm blacklisted by them am I blacklisted by any other "army" lenders?

3. You mentioned PenFed approves more then card with 1 HP within a 90 period. Is this only applicable for Credit Unions or.. In other words, which CC Provider uses the 1 HP for a 90 day period?

P.S. I did start reading C.B. thank you!

1.  You can join the National Space Society FOR FREE to become eligible.  It's the last option.  I'm not sure where you got the idea that you need military affiliation.

2.  USAA isn't a CU, it's a bank and it is no longer open to non military and their families.  You used to be able to at least have second class membership.

3.  PenFed is the only financial institution that I am aware of that will use the same HP for 90 days.

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Re: Getting Approved For A CC With A Soft Pull
« Reply #51 on: December 14, 2015, 08:31:06 AM »
2.  USAA isn't a CU, it's a bank and it is no longer open to non military and their families.  You used to be able to at least have second class membership.
There is an option for someone who had siblings in the army.
Anyone has any experiance with that? Do the check?

Offline Mendelssohn

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Re: Getting Approved For A CC With A Soft Pull
« Reply #52 on: December 14, 2015, 08:31:56 AM »
There is an option for someone who had siblings in the army.
Anyone has any experiance with that? Do the check?

Yes, they check.

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Re: Getting Approved For A CC With A Soft Pull
« Reply #53 on: December 14, 2015, 08:34:51 AM »
Yes, they check.
So there's no way to get a usaa account nowadays?

Offline 3yummyboys

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Re: Getting Approved For A CC With A Soft Pull
« Reply #54 on: December 14, 2015, 08:36:17 AM »

Remember that FICO automatically gives reason codes if you don't have a perfect score. Creditors often spit out those same reasons for denials.

Keeping utilization in check and with a solid profile, inquiries are very rarely the real reason.

I had no problem getting approvals with Amex, Chase and Citi this year with 20+ inquiries on EX. For both Citi apps, I had more than 6 inquiries in the previous 6 months.

Do HPs affect approval if you do not have a solid credit history?

Offline Mendelssohn

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Re: Getting Approved For A CC With A Soft Pull
« Reply #55 on: December 14, 2015, 08:36:53 AM »

Offline Mendelssohn

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Re: Getting Approved For A CC With A Soft Pull
« Reply #56 on: December 14, 2015, 08:39:04 AM »
Do HPs affect approval if you do not have a solid credit history?

Rarely. 

If you read otherwise on here, ignore it.  There is way to much emphasis put on the importance of inquiries on DDF.  I'm hoping to change that.


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Offline Mendelssohn

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Re: Getting Approved For A CC With A Soft Pull
« Reply #58 on: December 14, 2015, 08:45:57 AM »
They let me join for some reason

Just now or years ago?  Until 1-2 years ago, anyone could join.

If you just joined, see if they will let you open a checking account.

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Re: Getting Approved For A CC With A Soft Pull
« Reply #59 on: December 14, 2015, 08:50:57 AM »
Just now or years ago?  Until 1-2 years ago, anyone could join.

If you just joined, see if they will let you open a checking account.
Correct, they let me join but not open a bank account