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Oh. I saw that but wouldn't figure anyone could join. This is a good thing. Thank you.
cheddar wrote:I can't answer your questions about BK, but the qualifying organization for joining JFCU is the National Sherrifs Association. Anyone can join.
FaircreditguyFL wrote:
With the 5.6 year old BK, I would go with JFCU. If you get your score up another 25 pts, I would then apply for PenFed. JFCU will ask for financial documentation and set your exposure limit to 30% of your income (but will go higher). PenFed has yet to ask me for financial info... and gave me a lower credit limit than JFCU.
You can't wrong with either IMHO.
How recent is recent?
FaircreditguyFL wrote:
... and PenFed DOES NOT like recently open tradelines.
Message Edited by FaircreditguyFL on 05-05-2008 02:25 PM
smallfry wrote:
Income helps with Penfed. IMHO that are light years better than JFCU. Are you in or close to 6 figures?
@Anonymous wrote:How recent is recent?
@Anonymous wrote:
... and PenFed DOES NOT like recently open tradelines.
Message Edited by FaircreditguyFL on 05-05-2008 02:25 PM
@smallfry wrote:
All over CB at least the last 6 months or so.
@Anonymous wrote:
@smallfry wrote:
All over CB at least the last 6 months or so.
I'm a CBer, too. I can't say that I've read every JFCU post, but from memory they have been very BK friendly. I do realize they have been bombard with apps the past couple months, but I have found them to be very timely on each of my request. I can personal attest to calling for a loan by phone, approved, and funded by the time I hung up the phone. I will say each (except for my last loan product)required financial documentation.
As for Penfed... 6 figs? Not quite. No problem obtaining products and have never been asked to provide financial documentation for $40,000 in credit.
Each of us have a different experiences with creditors. I have great LUCK with each of my credit unions - 5 in all.
Message Edited by FaircreditguyFL on 05-05-2008 06:15 PM