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Has anyone used sites like autocreditexpress.com and roadloans.com? autocreditexpress.com was noted by a site called realcartips.com as one place to apply for people with bad credit.
And, is it common for a credit union to do a hard pull for your membership application? My local CU tells me they will perform a hard pull if I apply.
Yes, very common for CU's to pull your credit for membership.
Don't know anything about autocreditexpress at all
I'll note that some people with bad credit here have had success with roadloans. Though roadloans sometimes returns a pretty high APR. Worth a try if you need a car and have bad credit (FICOs less than 620 on all bureaus) though.