No, there was no inquiry whatsoever for membership. I did apply for a 11 K loan and was denied. They said it was lack of credit and an old 2001 1500.00 credit card debt that I was an authorized user on. I have tried everything to get the credit card debt off my record, to no avail. I have sent Ex my debt validation letter to them , the one I sent to the CA (GL recovery Group , LA Habra, Ca) I had no response from the CA and from EX I was told they had vreified and the item will remain on my credit until 10/2011 I realize I don't have alot of credit. I just don't use it. I have 3 credit card with about 1,500 on each , a gas card, I'm a renter. I owe probably less than 10% of my balances. Another thing is that when someone pulls my report and sees the (GL recovery) that item is being reported as opened in 5/2008 so I'm sure that scares any potential creditor. Different people on this board has told me to write EX and tell the that I 'am an authorized user and therefore I'm not responsible for the bill. I did. They seem not to care. As I stated earlier EX said it will remain on my credit. Sorry for going on so long. I'm bummed, I pay my bills and some slime ball comes along and puts some wrong info on my credit file and screws my credit up. I have asked all concerned to show me the contract I singed with the credit card company in question, they haven't done that. I'm thinking the CRs are just as bad as the CAs. Lockheed did say with out that credit card debt I would have possibly been approved. Oh well . S--- Happens BTW, EX is the only bureau that is reporting the GL Recovery debt