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Frequent Contributor
Posts: 306
Registered: ‎03-03-2008
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Re: Experience with UFCU in TX?

I started with 1 in 12/07 and opened another in 8/08 both opened with 5K CL.   I merged them this year and bumped it up to 15K without them blinking an eye at it.  They will work with you and are great to deal with.  I had my car though them as well and when I would change brackets with them they'd run CR and bump it down accordingly without a fee.  Just recently refi'd the car after being with JFCU in VA for 4.49% @ ATFCU without too many questions as well.
Scores by lender CLI requests 4/15/14: EQ 760 / TU 755 / EX
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Scores by lender 4/25/11: EQ 705 / EX 743 / TU 735
Mortgage closed 5/20/2011!
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Re: Experience with UFCU in TX?


austinguy907 wrote:
I started with 1 in 12/07 and opened another in 8/08 both opened with 5K CL.   I merged them this year and bumped it up to 15K without them blinking an eye at it.  They will work with you and are great to deal with.  I had my car though them as well and when I would change brackets with them they'd run CR and bump it down accordingly without a fee.  Just recently refi'd the car after being with JFCU in VA for 4.49% @ ATFCU without too many questions as well.

 

Congrats on the successes!

 

Can you share a few stats?  When you merged and bumped your CL this year, what is your FICO and CR looking like?  Any derogs?  How much uti?   What does your other CL's look like?  AAoA and oldest?

 

Thanks!  :smileyhappy:

 

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Established Contributor
Posts: 760
Registered: ‎04-30-2007
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Re: Experience with UFCU in TX?


austinguy907 wrote:
I started with 1 in 12/07 and opened another in 8/08 both opened with 5K CL.   I merged them this year and bumped it up to 15K without them blinking an eye at it.  They will work with you and are great to deal with.  I had my car though them as well and when I would change brackets with them they'd run CR and bump it down accordingly without a fee.  Just recently refi'd the car after being with JFCU in VA for 4.49% @ ATFCU without too many questions as well.

 

I just looked online - they do eDeposits the same way the other CU's do.  Very cool. 
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
New Contributor
Posts: 73
Registered: ‎04-13-2009
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Re: Experience with UFCU in TX?

I joined NFCU and Addison.  I think I might consider this one too! 

 

Oh and PSECU.  I went to a qualifying school.  So that experian fico looks nice and I read some posts that they are pretty credit friendly.

 

I want to add 3-5 good accounts.  so far I have

 

NFCU $20k  (equifax pull) hasn't yet reported account

Addison $15k (pending app, but they requested paystubs and w2 - so think this looking good) (experian pull)

 

 

Any other suggestions

 

Established Contributor
Posts: 760
Registered: ‎04-30-2007
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Re: Experience with UFCU in TX?

Wow - you've got some excellent limits there.  Someday...
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
New Contributor
Posts: 73
Registered: ‎04-13-2009
0

Re: Experience with UFCU in TX?

[ Edited ]

Most of my CC's aren't so great.

 

BoA Plat Plus $10k
Wamu PC to Chase Freedom+ $3.5k

Juniper $2k

Target Visa $1k

OldNavy $1.15k

Chevron $1.5k

Orchard $800

CapOne $750

PayPal $300

 

New Accts:
NFCU $20k

Addison (PENDING) $15k  (requested paystubs/w2)

Discover ?Something?  Don't know CL or type of card for sure....they keep confusing me (I made new post on this one in main CC threads)

Message Edited by Angel73 on 08-02-2009 10:48 AM
Frequent Contributor
Posts: 401
Registered: ‎02-23-2009
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Re: Experience with UFCU in TX?

WOw that is a huge load of credit cards account. I think 4 credit card is MAX..

how can you manage all yuor finance and credit card that many?

New Contributor
Posts: 73
Registered: ‎04-13-2009
0

Re: Experience with UFCU in TX?

[ Edited ]

CreditCard101 wrote:

WOw that is a huge load of credit cards account. I think 4 credit card is MAX..

how can you manage all yuor finance and credit card that many?


 

I plan to cancel Orchard, CapOne, PayPal and possibly Target. 

 

Since they add very little to my available CL's and will continue to help age for 10 years, I don't see a reason to keep them.

 

Message Edited by Angel73 on 08-02-2009 08:23 PM

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