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Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: Would you pay $75 bucks to join PSECU?


CS800 wrote:

PSECU is a great CU to join. I'm with them. Now if they would give me the VISA/PSL combo, I would love it.


Were you denied CS800? I was planning on app'ing for that within the next couple of months

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Super Contributor
CS800
Posts: 6,546
Registered: ‎04-07-2008

Re: Would you pay $75 bucks to join PSECU?


jd5189 wrote:

CS800 wrote:

PSECU is a great CU to join. I'm with them. Now if they would give me the VISA/PSL combo, I would love it.


Were you denied CS800? I was planning on app'ing for that within the next couple of months


LAst November yes. Reason they gave me was bogus though. I have a paid collection from 2006. It was paid in full in 2007, that wa their reason for denial.

 




Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Would you pay $75 bucks to join PSECU?

With it being a year older you might be good for it CS, are you going to reapp?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
CS800
Posts: 6,546
Registered: ‎04-07-2008

Re: Would you pay $75 bucks to join PSECU?

I have about 12 HP on EX now. Back then I had 3. I think I have the cards that I need for now. Time to let them age.

 

The paid collection is still there so I'm afraid that i pull the trigger and they deny me for the same thing.




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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: Would you pay $75 bucks to join PSECU?

If the benefits I receive from joining PSECU do not outweigh the $75 fee, then no.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Super Contributor
CS800
Posts: 6,546
Registered: ‎04-07-2008

Re: Would you pay $75 bucks to join PSECU?

A monthly 'free' EX FICO for me would definitely justify this one time fee of $75.




Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010

Re: Would you pay $75 bucks to join PSECU?

I think you'll just get a monthly EX score, not a report.  That's the way Walmart works with TU, I don't have PSECU.

 

Since I have Scorewatch (NFCU discount) for EX and Walmart now for TU I don't think I'd pay to get the EX from PSECXU.

 

 

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Established Contributor
lithium78
Posts: 929
Registered: ‎07-30-2011

Re: Would you pay $75 bucks to join PSECU?

I'm really curious to see how this experiment plays out.  If it works, I'd be willing to pay $75 to gain membership is PSECU as well.  They have terrific services with very low rates for loans and credit cards and generous CLs for their cards.  And the monthly EX FICO is worth the fee in itself.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Regular Contributor
TilltedBrim
Posts: 123
Registered: ‎09-25-2011

Re: Would you pay $75 bucks to join PSECU?

Bump... Has anyone been able to get through this loop hole and become a member?  Hoping to keep this tread somewhat alive until someone post their success or not.

After falling off the wagon while in the garden... And going 2 for 4 on a drapping spree I've finally received my coveted Discover More. And now I'll limp back to the garden.
Moderator
Revelate
Posts: 8,138
Registered: ‎12-30-2011

Re: Would you pay $75 bucks to join PSECU?


TilltedBrim wrote:

Bump... Has anyone been able to get through this loop hole and become a member?  Hoping to keep this tread somewhat alive until someone post their success or not.


Well while I'm sort of hoping this works, my gut feeling is it won't unless you are a resident of the state of PA... or fall under one of their incredibly few exceptions to that fact.

 

I don't know why they changed their policies on that a year or so ago, but I rather doubt it's changed back again; however, I'd be pretty happy to be proved wrong :smileyhappy:.  I'd pay $75 in a heartbeat for a one-time fee for access to my EX mortgage score for the next few years, that's not a decision I even have to think about it makes so much sense for me personally heh.

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 703, TU 708, EX 702* (05/30/14, EX older)
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