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Established Contributor
mymy
Posts: 510
Registered: ‎04-20-2007
0

Patelco CU ?

anyone with experience with them? do they do a hard IQ to open account? who do they pull?
Established Member
clgray
Posts: 18
Registered: ‎03-07-2008
0

Re: Patelco CU ?

They pull experian.  I think they are great.  You have to ask for credit limit increases about every 6 months.  They don't give automatic.
1/2008 ex 589 eq 538 tu 558
4/2008 ex 661 eq 603 tu 619
5/2008 ex 665 tu 622 ex 605
7/2008>ex 611 tu 609
the little engine that could......pushing for the 700 club
Regular Contributor
spiritcraft1
Posts: 163
Registered: ‎08-15-2008
0

Re: Patelco CU ?

They pulled a hard EX on me...  but I have found them to be great so far...
11/6/09 TU 724 / EX 739 (FICO from CU) / EQ 701
Frequent Contributor
adamseve
Posts: 453
Registered: ‎05-14-2008
0

Re: Patelco CU ?



clgray wrote:
They pull experian.  I think they are great.  You have to ask for credit limit increases about every 6 months.  They don't give automatic.


What products do you have with them?  What were your scores when you obtained credit with them?  Do they have any quirks, i.e., too many inquires, too many new accounts, etc.?  Are they BK friendly?
 
Thanks for any info you can provide.
Established Contributor
FaircreditguyFL
Posts: 665
Registered: ‎03-31-2007
0

Re: Patelco CU ?

GREAT CU! They tend to be more conservative then some CU I deal with, but their credit gold visa is pretty nifty.
Established Contributor
mymy
Posts: 510
Registered: ‎04-20-2007
0

Re: Patelco CU ?

thanks for the feedback, i was hoping for EQ, but i am waiting for a few baddies for fall off next month on EX
Regular Contributor
spiritcraft1
Posts: 163
Registered: ‎08-15-2008
0

Re: Patelco CU ?

For EQ, try Alliant Credit Union
11/6/09 TU 724 / EX 739 (FICO from CU) / EQ 701
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Patelco CU ?



adamseve wrote:


clgray wrote:
They pull experian.  I think they are great.  You have to ask for credit limit increases about every 6 months.  They don't give automatic.


What products do you have with them?  What were your scores when you obtained credit with them?  Do they have any quirks, i.e., too many inquires, too many new accounts, etc.?  Are they BK friendly?
 
Thanks for any info you can provide.






Be careful I was declined with a 717 Experian score because of too much new available credit. I applied in May 2008. Utilization around 1%. I had opened a number of new accounts May-June 2007 and one more in October 2007. I was not approved upon recon. They will approve with an older BK but not with newer accounts.
Established Member
clgray
Posts: 18
Registered: ‎03-07-2008
0

Re: Patelco CU ?

My ex score was about 660.  It was a hard pull.  I have  a platinum mastercard, a savings account, and 2 share certificates.  I had a lottttt of inquires when I applied.  2 yrs out of BK.
1/2008 ex 589 eq 538 tu 558
4/2008 ex 661 eq 603 tu 619
5/2008 ex 665 tu 622 ex 605
7/2008>ex 611 tu 609
the little engine that could......pushing for the 700 club

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