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Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: Would you pay $75 bucks to join PSECU?

I took a double look at it, it says "ASSOCIATION MEMBERS"? Technically, wouldn't you be considered a "association member" if you paid the fee to become an official contributing member?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Would you pay $75 bucks to join PSECU?

It's worth a try. I checked out some other ones and some are clearly employees only.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
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Re: Would you pay $75 bucks to join PSECU?

Trust me guys I checked the whole list, this is the second cheapest one compared the PRPS loophole and unless I overlooked anything probably the only one with a shot of getting out-of-state folks in there. All I know is PASEO doesnt mind if you join them from out of state, they actually have out of state members. It's only on the PSECU end I'm concerned and unsure about. If anyone out there takes a stab at it before I do, let me know the results.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
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Posts: 15,442
Registered: ‎04-09-2011
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Re: Would you pay $75 bucks to join PSECU?

Its only a HP and $75, if you can spare the HP its worth the luv you'll get from that CU!!! Especially if your a prime credit customer!




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
Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: Would you pay $75 bucks to join PSECU?

LS, what kind of scores do you think they (PSECU) would consider "prime"? lol just curious Smiley Wink



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: Would you pay $75 bucks to join PSECU?

Just to let you guys know, more than likely im gonna be the guniea pig here and try it out starting tomorrow. If you guys want to wait back to hear from me i will def keep you guys posted! im pretty sure (99.9999999%) im gonna do it. Wish Me luck!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Would you pay $75 bucks to join PSECU?

Can u tie a HP for membership with an app for cc?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Mega Contributor
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Registered: ‎04-09-2011
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Re: Would you pay $75 bucks to join PSECU?


gettnthere wrote:

LS, what kind of scores do you think they (PSECU) would consider "prime"? lol just curious Smiley Wink


At least 690 or up, no recent baddies, not alot of recent INQ's. Established credit lines with 1 year of good history.

 




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
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Registered: ‎04-09-2011
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Re: Would you pay $75 bucks to join PSECU?


Duncanrr wrote:
Can u tie a HP for membership with an app for cc?

I doubt they can do that as it takes a few days to confirm membership. I would say as soon as your confirmed get a loan rep on the phone and see if they can do it.

 




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
Established Contributor
Posts: 797
Registered: ‎05-01-2012
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Re: Would you pay $75 bucks to join PSECU?

Got approved for 15K Visa/PSL in July with a 651 EX.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
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