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Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Super Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


NursePurse wrote:

 


firetech593 wrote:

NursePurse wrote:

Yes, The only thing on my chexsystems is my pnc


firetech593 wrote:

Nurse,

I helped a family member re-establish with Consumers 2 weeks ago, and they stated they couldnt open checking or savings if you have any negative Chex System entries.

Have you checked this?




Yes, The only thing on my chexsystems is my pnc bank account I opened last year

 

 


Is it negative?


Not negative, it was just from me opening the pnc account. I suppose pnc uses chexystems for checking/savings, but there's def nothing other than pnc on my chexsystems


Opening a PNC Checking is not negative.  You need to get a copy of Chexsytem report to find out any negative information. I requested one recently. There wasn't anytihing on it.

http://www.consumerdebit.com

 

Ron.

Message 41 of 114
Regular Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


NursePurse wrote:

 


firetech593 wrote:

NursePurse wrote:

Yes, The only thing on my chexsystems is my pnc


firetech593 wrote:

Nurse,

I helped a family member re-establish with Consumers 2 weeks ago, and they stated they couldnt open checking or savings if you have any negative Chex System entries.

Have you checked this?




Yes, The only thing on my chexsystems is my pnc bank account I opened last year

 

 


Is it negative?


Not negative, it was just from me opening the pnc account. I suppose pnc uses chexystems for checking/savings, but there's def nothing other than pnc on my chexsystems


     Imho, I would say call regular customer service and recon. The bank account requirements are by no means stringent. Im thinking that if they cant establish membership, they wont process any credit products.

    They are very good with recon, but you have to talk to a branch or sales manager.

Message 42 of 114
Super Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


B335is wrote:
Firetech you read my mind. I have a neg in chex that wont fall off for another few months. Guess ill just watch Rons journey from the sidelines Smiley Happy

Wish me luck!!!! I am guinea pig.Smiley Very Happy

 

 

Ron.

Message 43 of 114
Regular Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

I agree with Ron. They are looking for charged-off accounts or bounced checks.

Message 44 of 114
Regular Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


firetech593 wrote:

I agree with Ron. They are looking for charged-off accounts or bounced checks.


Good luck Ron!

Message 45 of 114
Super Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


firetech593 wrote:

I agree with Ron. They are looking for charged-off accounts or bounced checks.


It might have an error on her Chexystem like credit report. It mght be someone's negative items listed in her report  with the similar name.  She need to get a copy of chexsystem to take a look at it.

 

 

Ron.

Message 46 of 114
Super Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


firetech593 wrote:

firetech593 wrote:

I agree with Ron. They are looking for charged-off accounts or bounced checks.


Good luck Ron!


Thanks!!!!No big loss if I get denied. Nice try. I have gotten a lot of card since last Dec. It's time to stop applying. Smiley Very Happy

 

 

Ron.

Message 47 of 114
Frequent Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!

Ordered my chexsystems report in feb of this year:

 

Reported information: No information found

Inquiries Initiated by Consusmer Action: PNC Bank

Inquiries Not Initiated By Consumer Action: No information found

Retail Information: No Information Found

History of Checks Ordered: No Information Found

 

I think I will at least call to see why I was declined for membership and savings.

Smiley Frustrated

EQ FICO 694 TU FICO 689 EXP FICO 695(Started rebuilding in Nov 2013, student loan charge-off's dating from 2011, all marked as paid on CRB's) 14% Utl Chase United Mileage Plus $5G/Citi DoubleCash $4G/USAirways MC $5G/NFCU cashRewards $11,500/Navcheck $10G/Cap1 Quicksilver1 $2,500/Cap1 Quicksilver1 $2G/Gap $2500/Barclay Rewards MC $1G/Walmart $2,500/CareCredit joint $8400 LOFT/Express/VS all $2500 /J.Crew$7500/True Value $3G/True Value Discover$3G/Nordstrom $6G/Amazon $4G/ Amex Hilton HHonors $1G/Chase Amazon $500/Chase Freedom $2G/Paypal MC $4G/Amex Everyday $2G/Venture $5G/Amex Costco$2G
Message 48 of 114
Regular Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


NursePurse wrote:

Ordered my chexsystems report in feb of this year:

 

Reported information: No information found

Inquiries Initiated by Consusmer Action: PNC Bank

Inquiries Not Initiated By Consumer Action: No information found

Retail Information: No Information Found

History of Checks Ordered: No Information Found

 

I think I will at least call to see why I was declined for membership and savings.

Smiley Frustrated


  I second that. They will use the same credit pull for at least 30 days.

Please keep us posted, I'm very interested to see if my cu is becoming difficult to deal with.

Fingers crossed for you.

Message 49 of 114
Frequent Contributor

Re: Got Pre-Approval for Consumer Credit Union Visa Signature!!!!


firetech593 wrote:

NursePurse wrote:

Ordered my chexsystems report in feb of this year:

 

Reported information: No information found

Inquiries Initiated by Consusmer Action: PNC Bank

Inquiries Not Initiated By Consumer Action: No information found

Retail Information: No Information Found

History of Checks Ordered: No Information Found

 

I think I will at least call to see why I was declined for membership and savings.

Smiley Frustrated


  I second that. They will use the same credit pull for at least 30 days.

Please keep us posted, I'm very interested to see if my cu is becoming difficult to deal with.

Fingers crossed for you.


Thank you! And I will def post an update

EQ FICO 694 TU FICO 689 EXP FICO 695(Started rebuilding in Nov 2013, student loan charge-off's dating from 2011, all marked as paid on CRB's) 14% Utl Chase United Mileage Plus $5G/Citi DoubleCash $4G/USAirways MC $5G/NFCU cashRewards $11,500/Navcheck $10G/Cap1 Quicksilver1 $2,500/Cap1 Quicksilver1 $2G/Gap $2500/Barclay Rewards MC $1G/Walmart $2,500/CareCredit joint $8400 LOFT/Express/VS all $2500 /J.Crew$7500/True Value $3G/True Value Discover$3G/Nordstrom $6G/Amazon $4G/ Amex Hilton HHonors $1G/Chase Amazon $500/Chase Freedom $2G/Paypal MC $4G/Amex Everyday $2G/Venture $5G/Amex Costco$2G
Message 50 of 114