Reply
Established Member
hussain99
Posts: 32
Registered: ‎11-20-2012

Re: Best Credit Unions out there

Thanks for your input guys. I still have a few questions in mind:

1. Does DCU ask for pay-stubs/W-2 on credit card application?

2. To me, the biggest drawback of CUs are two HPs (one at the time of membership application & the other for CC). Is it possible to somehow get only one HP?

3. If I am eligible for PSECU, is it a good CU in terms of initial CL, CLIs, no pay-stub hectics etc?
Frequent Contributor
kimmiller112
Posts: 463
Registered: ‎04-09-2012

Re: Best Credit Unions out there

My DCU membership is still pending.  I have applied and gotten approved for a $7500 card which I will get once I have my membership number.  They did ask for one paystub for me.  It was two hard pulls, one for the membership and one for the credit card.

10/13/13: TU 695, EQ 683, EX 716, USAA FAKO 728 for all 3 - Goal: 760
Closed on house 10/18/13
Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - B of A 123 $7500 - Chase Saphire Preferred $5000 - Discover It $5000 - Barclays Sallie May $4000 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $1000-$7600
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Best Credit Unions out there

A few ive seen on this board... ft. Know CU; alliant; DCU; Martin cu; psecu

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
eviLution
Posts: 694
Registered: ‎06-11-2012

Re: Best Credit Unions out there

I'm with DCU.

 

They approved me within a few days for membership and they actually gave me a $1,500 CL CC with a thin file. All I had to do was scan my ID and paystub, then I emailed it to them. 2 HP on EQ for membership and CC app though. I read that you can get away with 1 HP if you apply in person


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 9500 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Member
JPmorgan
Posts: 59
Registered: ‎05-06-2012

Re: Best Credit Unions out there

DCU!

American Express Blue | American Express PRG | Barclays Apple Financing Visa | Citi AAdvantage Visa Signature | Discover More | JP Morgan Palladium | Ameriprise World Elite Mastercard | Chase Sapphire Preferred

Frequent Contributor
codimom
Posts: 377
Registered: ‎09-08-2010

Re: Best Credit Unions out there

I have a membership with Alliant credit union (by choice) and Security Service Federal cu (because of my car loan...) .  I have been with Alliant for many many years and they've always treated me well.


Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13


Valued Contributor
p-
Posts: 2,521
Registered: ‎06-05-2008

Re: Best Credit Unions out there


hussain99 wrote:
2. To me, the biggest drawback of CUs are two HPs (one at the time of membership application & the other for CC). Is it possible to somehow get only one HP?

When I joined penfed, they used the same pull for membership and two loan apps.  Check out the boards here; I think it's one pull for 30 or 90 days with them, for all credit products.

  2-13-14: FICO EXP: 779 - EQU: 742 - TRAN: 765 - AVG: 762 - +212 points from JUN 2008 - MY CREDIT JOURNAL

Valued Contributor
rootpooty
Posts: 1,685
Registered: ‎10-28-2011

Re: Best Credit Unions out there

NFCU

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
Established Contributor
knoregs
Posts: 559
Registered: ‎06-04-2012

Re: Best Credit Unions out there


KausticRage wrote:

DCU, they approved my for my first $5k limit CC.  Highest limit before that was my Walmart at $1600.


Do you remember who they pulled from? Equifax perhaps?

 

~kn

 


EQ: 669 (myFICO) 2/26/14
EX: ??? (No Current)
TU: 657 (Discover FICO) 3/12/14

Last App 12/17/13... In Garden 'till June/July '14
Established Contributor
eviLution
Posts: 694
Registered: ‎06-11-2012

Re: Best Credit Unions out there

They pulled EQ for me.

Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 9500 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+