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Regular Contributor
Posts: 246
Registered: ‎02-24-2017
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Re: Official Credit Unions Guide

My notes for Golden 1 is that is a SP EX, however I have another note to check because somewhere it was questioned whether they allow credit products outside of CA.

Regular Contributor
Posts: 233
Registered: ‎01-11-2014

Re: Official Credit Unions Guide


AllCredit wrote:

My notes for Golden 1 is that is a SP EX, however I have another note to check because somewhere it was questioned whether they allow credit products outside of CA.


Thanks for the info! That seems to be the general consensus - that you can join through a backdoor (FFA I think) if you're outside of CA for banking, but credit products were only in state. Fortunately, I meet that requirement!

EQ: 774INQs: 8EX: 766INQs: 12TU: 743 (Split File - FIXED!)INQs: 10
AAoA: ~5.3 years, oldest account 16.5 years
Total Credit Line: $204K
Regular Contributor
Posts: 233
Registered: ‎01-11-2014
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Re: Official Credit Unions Guide

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Hanscom-Federal-Credit-Union-is-the-pits/td...

 

Apparently Hanscom uses FICO 2. And is also apparently "the pits". If their recount of the interaction is accurate, it actually wouldn't be the first time I've heard of a CU "lecturing" someone when they applied for credit. I do agree with their one point though - good feedback about the denial and how to improve future chances for approval is awesome, condescending lectures are not.

EQ: 774INQs: 8EX: 766INQs: 12TU: 743 (Split File - FIXED!)INQs: 10
AAoA: ~5.3 years, oldest account 16.5 years
Total Credit Line: $204K
Established Member
Posts: 93
Registered: ‎04-18-2017
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Re: Official Credit Unions Guide


bigpoppa09 wrote:

I seen it mentioned in this thread that DCU SP for membership has anyone joined recently can they confirm this?


I joined last week.  Called and confirmed with them the SP vs HP, first.  Checked my report afterwards and it is, indeed, a SP on EQ.  

Our Journey Click to read our storyOur Cards: Me:   Him:   Our Future Cards: USAA Limitless | AmEx BP | BJs Perks Elite | Chase Freedom | Sam's MC | Costco
05/17 - Me: 595EX 570EQ 602TU  Him: 740EX ???EQ ???TU  4/17 - Me:  558EX 546EQ 602TU 671TU surprisedHim: No CR/Score!
Short Term Goals: Me: All 640+, Refi Auto Loan | Him: All 650+, Mortgage-Approved | US: New house before April 2018
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