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Gardening with Psecu as a goal!

Regular Contributor

Gardening with Psecu as a goal!

I just started gardening and im not apping for anything untill next year when i give psecu another shot.  Theyve declined me 2 or 3 times over the last year, this time was the last straw.  In the letter they sent me, they said i was declined for new accounts and recent inquiries within last 12 months.  Exp Fico was 722 and i still got declined, so that was really a wake up call. 


No more apping for a year, thats one of my new years resolutions. lol


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


Take the FICO Fitness Challenge
Message 1 of 14
13 REPLIES
Established Contributor

Re: Gardening with Psecu as a goal!

Sounds tough. This is just for membership? 


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 2 of 14
Regular Contributor

Re: Gardening with Psecu as a goal!

No for their visa credit card. Ive been a member for a while.


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


Take the FICO Fitness Challenge
Message 3 of 14
Established Contributor

Re: Gardening with Psecu as a goal!

ah i see. Do you know if you must have a credit card with them to receive EX FICO score? or being a member is all that's needed?


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 4 of 14
Senior Contributor

Re: Gardening with Psecu as a goal!


Guava wrote:

ah i see. Do you know if you must have a credit card with them to receive EX FICO score? or being a member is all that's needed?


Just membership.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 5 of 14
Established Contributor

Re: Gardening with Psecu as a goal!

Thanks Laz!


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 6 of 14
Senior Contributor

Re: Gardening with Psecu as a goal!

Not a problem.  Are you wanting to get in with PSECU?  They've tightened up their eligibility requirements, you may want to check it out.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 7 of 14
Regular Contributor

Re: Gardening with Psecu as a goal!


laz98 wrote:

Guava wrote:

ah i see. Do you know if you must have a credit card with them to receive EX FICO score? or being a member is all that's needed?


Just membership.


Actually, just membership would be only having their share account. I think you get your FICO score if you have credit products with them (loans, credit cards, lines of credit etc) or if you have a checking account... hope that helps.

Message 8 of 14
Frequent Contributor

Re: Gardening with Psecu as a goal!


Credit_repair wrote:

laz98 wrote:

Guava wrote:

ah i see. Do you know if you must have a credit card with them to receive EX FICO score? or being a member is all that's needed?


Just membership.


Actually, just membership would be only having their share account. I think you get your FICO score if you have credit products with them (loans, credit cards, lines of credit etc) or if you have a checking account... hope that helps.


+1 Just get the checking account for the Fico

 

You will need to be a resident of Pennslyvania though.

 


 


Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
Take the FICO Fitness Challenge
Message 9 of 14
Senior Contributor

Re: Gardening with Psecu as a goal!


Credit_repair wrote:

laz98 wrote:

Guava wrote:

ah i see. Do you know if you must have a credit card with them to receive EX FICO score? or being a member is all that's needed?


Just membership.


Actually, just membership would be only having their share account. I think you get your FICO score if you have credit products with them (loans, credit cards, lines of credit etc) or if you have a checking account... hope that helps.


I don't think I knew that.  I completely forgot I had a checking account with them.  Thanks for the info.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 10 of 14