Reply
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

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
Posts: 6,593
Registered: ‎04-07-2008
0

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
Posts: 15,442
Registered: ‎04-09-2011
0

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
Posts: 6,593
Registered: ‎04-07-2008
0

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.




Blogger
Posts: 2,876
Registered: ‎02-02-2012
0

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
Posts: 6,593
Registered: ‎04-07-2008
0

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
Posts: 1,063
Registered: ‎05-26-2010
0

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
Take the FICO Fitness Challenge
Established Contributor
Posts: 930
Registered: ‎07-30-2011
0

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

Take the FICO Fitness Challenge
Regular Contributor
Posts: 123
Registered: ‎09-25-2011
0

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 Emeritus
Posts: 10,932
Registered: ‎12-30-2011
0

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 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.