Seriously!! PSECU !!Seriously!!

[DI]

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@smallfry wrote:

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@laz98 wrote:

i don't use my checking account there either.

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Do yourself a favor. If you want to keep getting the free to you score then use one check per month. I pay a small utility bill. Joining 7 months ago was painless no docs were requested. Dunno about now.

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+1  To qualify for the FICO you  need a checking account.  To keep the checking account active one must show activity.  No activity for a year may cause the checking account to close. 

[Anonymous]

OK. If I ever do get the free EX score, I will then move on to deciding what isn't too much hassle to keep getting it. An ACH transfer here and there sounds about right.

[visorboy1974]

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@Anonymous wrote:

OK. If I ever do get the free EX score, I will then move on to deciding what isn't too much hassle to keep getting it. An ACH transfer here and there sounds about right.

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I just do an ACH transfer once a month...a few dollars.  Then I pay a cc bill with it and get it close to 0 again.  Repeat as needed. 

[Anonymous]

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@visorboy1974 wrote:

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@Anonymous wrote:

OK. If I ever do get the free EX score, I will then move on to deciding what isn't too much hassle to keep getting it. An ACH transfer here and there sounds about right.

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I just do an ACH transfer once a month...a few dollars.  Then I pay a cc bill with it and get it close to 0 again.  Repeat as needed. 

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Sounds reasonable. I hope PSECU's billpay to other issuers' CCs is not the snail variety.

[visorboy1974]

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@Anonymous wrote:

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@visorboy1974 wrote:

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@Anonymous wrote:

OK. If I ever do get the free EX score, I will then move on to deciding what isn't too much hassle to keep getting it. An ACH transfer here and there sounds about right.

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I just do an ACH transfer once a month...a few dollars.  Then I pay a cc bill with it and get it close to 0 again.  Repeat as needed. 

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Sounds reasonable. I hope PSECU's billpay to other issuers' CCs is not the snail variety.

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I'm not sure on that question.  I usually pull the payment from the CC website. 

[Woolfman]

I just Direct deposit 20 bucks a week and forget about it

[smc733]

I only use it for the FICO score.  Since my credit building is coming to a close, I will be closing the $5 account in November, right before the one year inactivity hits.

Nothing special about PSECU to me.

[DI]

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@smc733 wrote:

I only use it for the FICO score.  Since my credit building is coming to a close, I will be closing the $5 account in November, right before the one year inactivity hits.

Nothing special about PSECU to me.

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+1.  PSEC who?    Can we close the $5.00 account, keep the checking,  and still remain a member?  Will we still be able to get FICO score?

[visorboy1974]

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@DI wrote:

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@smc733 wrote:

I only use it for the FICO score.  Since my credit building is coming to a close, I will be closing the $5 account in November, right before the one year inactivity hits.

Nothing special about PSECU to me.

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+1.  PSEC who?    Can we close the $5.00 account, keep the checking,  and still remain a member?  Will we still be able to get FICO score?

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Your $5 is your membership share in the CU...you close it, and you're no longer a member. 

[DI]

Since myFico price a FICO score and report at $19.95,  my staying a member for the free FICO  is worth it.  I  already have  free access to my EX report, so I'm saving $239.40/year.  Not bad at all!!