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New Contributor
KausticRage
Posts: 55
Registered: ‎10-10-2012

Re: Best Credit Unions out there

They pulled EQ.

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Best Credit Unions out there

USAA is a military based bank right? Can I join if my uncle was in the army? My grandfather was also in the army. I notice they have really looow rates!

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Community Leader
Valued Contributor
HoldingOntoHope
Posts: 1,057
Registered: ‎09-29-2009

Re: Best Credit Unions out there

Anyone can join USAA as a limited member which means you can not get their insurance products or their BEST credit card rates and offers. The only way to qualify for full membership is to be a veteran yourself or have your qualified family member who is a veteran join first. I believe the primary member has to purchase their insurance products to qualify you for their full membership. But I know in my case anyway their insurance rates are the best out there and I have my full scope of insurance with them (Home / Auto / Umbrella). Their CSR's are very helpful and knowledgeable and I would rank them overall second only to NFCU as far as quality of offerings.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL


Take the FICO Fitness Challenge

Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Best Credit Unions out there

^Thanks for the info :smileyhappy: I'll look closer into it.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Established Contributor
FutureBillionaire
Posts: 630
Registered: ‎12-12-2012

Re: Best Credit Unions out there

They are strict, but also can be generous.  They gave me a sizable limit increase without me requesting.  I have two cards with them and I'm very happy.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Established Contributor
FutureBillionaire
Posts: 630
Registered: ‎12-12-2012

Re: Best Credit Unions out there

I agree with this post.  Being able to walk in and build a relationship with a bank can help you get opportunities to prove your creditworthiness much faster.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011

Re: Best Credit Unions out there


Swapmeet wrote:

USAA is not a CU, but that just means that anyone can join. They are, however, very generous when it comes to approval rates and CLs.


USAA has 2 levels of m'ship, depending on your military and family affiliation. Full members have better CCs to choose from as well as other benefits not avail to ltd members. Also, while they do have generous CLs, they have pretty strict underwriting requirements and aren't so easy to get approval as some CUs.

 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011

Re: Best Credit Unions out there


maiden_girl wrote:

USAA is a military based bank right? Can I join if my uncle was in the army? My grandfather was also in the army. I notice they have really looow rates!


Unfortunately just having a family member who was in the military isn't enough. They have to be a current or past member of USAA. I believe your uncle or g'father could join USAA as former military and then you could join as a family member.

 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Best Credit Unions out there


bichonmom wrote:

maiden_girl wrote:

USAA is a military based bank right? Can I join if my uncle was in the army? My grandfather was also in the army. I notice they have really looow rates!


Unfortunately just having a family member who was in the military isn't enough. They have to be a current or past member of USAA. I believe your uncle or g'father could join USAA as former military and then you could join as a family member.

 


it can be if your grandfather or grandmother died in WW1 or WW2 :smileytongue:

 

there's always ways to get in. I got into NFCU because my biological dad was in the Army and has accounts with them. Sad thing is my parents divorced when I was 2 so I don't even know he looks like, or know his birthsday lol, I got in because I was willing to provide a birth certificate that was provided from a military hospital. =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011

Re: Best Credit Unions out there


distantarray wrote:

bichonmom wrote:

maiden_girl wrote:

USAA is a military based bank right? Can I join if my uncle was in the army? My grandfather was also in the army. I notice they have really looow rates!


Unfortunately just having a family member who was in the military isn't enough. They have to be a current or past member of USAA. I believe your uncle or g'father could join USAA as former military and then you could join as a family member.

 


it can be if your grandfather or grandmother died in WW1 or WW2 :smileytongue:

 

there's always ways to get in. I got into NFCU because my biological dad was in the Army and has accounts with them. Sad thing is my parents divorced when I was 2 so I don't even know he looks like, or know his birthsday lol, I got in because I was willing to provide a birth certificate that was provided from a military hospital. =)


Maiden Girl was talking about USAA, which has different requirements than NFCU. My grandfather was in the Marines, but I could only get ltd m'ship w/USAA because he was never a member.

 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!


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