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Is NFCU Business Membership a HP?

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I am already an established member of NFCU.

 

I am looking to establish a business account with them.

 

To establish an account without credit products is it a hard pull?

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Yeah its a pull on Transunion

They must of changed it. I just called and the business rep. told me no pull at all, hard or soft, if you are already an existing member.

 

She said that they will only pull once you request a loan product.

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Yeah its a pull on Transunion

They must of changed it. I just called and the business rep. told me no pull at all, hard or soft, if you are already an existing member.

 

She said that they will only pull once you request a loan product.

Logically should be hard with credit apps not to establish business account

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Yeah its a pull on Transunion

They must of changed it. I just called and the business rep. told me no pull at all, hard or soft, if you are already an existing member.

 

She said that they will only pull once you request a loan product.

Logically should be hard with credit apps not to establish business account

 

 

I submitted my paper work a week ago.

 

Spoke to a biz rep and one of my docs (fictitious name certificate) only had my first and last name NOT my middle name and Jr. after my last name.

 

They rejected the certificate and put my biz membership on hold until I had it fixed with the state and then I could resubmit it again.

 

The state wants me to pay $70 to amend the document and at this point it just seems like a hassle.

 

I used the same set of docs to open 2 other business accounts over the years and never had an issue.

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What do you use for income if it’s a new business? I wonder if it would put your personal limits at risk if they think you’re now self employed.

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What do you use for income if it’s a new business? I wonder if it would put your personal limits at risk if they think you’re now self employed.

you can be employed and self employed at the same time. I am.

For a new business sometimes $0 revenue works as long as decent profile, income and high credit scores.

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On 6/8/2018 at 10:27 AM, freshnewstart said:

I just opened a NF business account a week ago

How did you do this?  Do you have to be a personal member first?

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I opened one last week, and there was no HP. Yes, you have to be a personal member first. They use TU for business credit products - if you keep it under $25K agg. you don't need to fill out all the personal financial statements on the app.

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