LAFCU (Los Angeles Federal Credit Union)

creditkarma21 · ‎02-07-2011

Does anyone know if they pull Transunion exclusively?? Any input/feedback is appreciated.

Tazman81 · ‎02-08-2011

Not sure. You may want to just give them a call and see what they say.

Current Score: Eq: 823 Tu: 830
Goal Score: Eq: 850 Tu: 850
Wallet: PenFed Power Cash 50k | AMEX Blue Cash (AU) 49.5k | Cap One QSMC 26.5k | AMEX Platinum NPSL | USAA Signature Visa 25k

creditkarma21 · ‎02-08-2011

So funny. I actually did that a few hours ago. The lady on the phone was so nice. She said I think we check "transu--wait let me ask my supervisor." Then she came back on the line and said I'm sorry ma'am we cannot give out that info. So I knew it was TU. Just applied for membership and got in. Woohoo!

Creditaddict · ‎02-08-2011

@creditkarma21 wrote:
So funny. I actually did that a few hours ago. The lady on the phone was so nice. She said I think we check "transu--wait let me ask my supervisor." Then she came back on the line and said I'm sorry ma'am we cannot give out that info. So I knew it was TU. Just applied for membership and got in. Woohoo!

Are you going to apply for credit? let me know... can anyone in LA join?

creditkarma21 · ‎02-08-2011

Yeah super easy to join -- when you apply for membership, they give you the option of joining through LACA - some organization in Los Angeles. I'm going to call them in an hour or so to see if I can apply for credit over the phone without an additional inquiry. Just checked TU backdoor and they did indeed pull a hard for membership. Havent checked EQ yet. My EX is frozen.

creditkarma21 · ‎02-08-2011

Also, my TU score is 650 so not far off from yours

Creditaddict · ‎02-08-2011

I'm still in shock that my TU is 659 and that is before the 10k in payments that were just done on my accounts have updated to credit.

creditkarma21 · ‎02-08-2011

Mine was 672 and just dropped because First Premier re-aged my charge-off from 2008. But that's another story.

TATATA · ‎02-08-2011

They pull TU only and report to TU and EXP only - not Equifax. I currently have a car loan and a credit card (2.99 % for the first 6 months) from them. They have decent rates, but their customer service is horrible. It's a small credit union. I like NFCU a lot better.

Total CL's combine: $150,600.

Creditaddict · ‎02-08-2011

@TATATA wrote:
They pull TU only and report to TU and EXP only - not Equifax. I currently have a car loan and a credit card (2.99 % for the first 6 months) from them. They have decent rates, but their customer service is horrible. It's a small credit union. I like NFCU a lot better.

Do they require income verification?