@mt2va wrote:Funny how 5 different Credit Unions turned me down for membership with them because of my credit. I recon all of them explaining I only wanted to open a savings account and to put money in it so I could open a secured credit card with them so I could re-build my credit. One of them even took it to a manager and no one would give me a chance. Even though I told them I would never ask for a checking account or any kind of loan product.
Funny thing is USAA had no problem with me opening a savings account with them. I did it all online. Funny thing is I burned USAA for about $2,000 on a MC and personal loan when I filed bankruptcy in 1996. Maybe it was because I was a member so long first under my dad and then on my own since 1990. As far as I'm concerned USAA & NFCU (if I can get myself straight with them again) are the 2 best lenders ever and I'm very fortunate due to my dad being retired air force that I was able to get full membership through him with both of them.
Where do you live? and second try getting authorized user accounts in your name. meaning if your dad has good credit history with some old credit cards that are still open (older the better) it will copy and paste that credit card's history into your account. Not all but many credit cards will. After that you can get started.
Many credit unions has to protect themselves against risky borrowers remember credit unions are non for profit and they must protect their "shareholders" which are other members of the union and not a board of directors, I can understand why. Regardless if your trying hard to get back on your feet, and people can see you as a responsible person who just got some bad luck they should be willing to help you to get authorized user accounts to get your scores up quite a bit, atleast to a point where you can get a credit union. I understand how this feels cause I was put into chexsystems years ago and couldn't even get a bank account for years for $7.... that no one told me about I was about 19 then and the banks switched ownerships and lost my mailing address. I thought I had enough there but I guess not. Part my fault too for not realizing.
Anyways if you live in the FL area, I won't mind adding you as an AU if you can visit the Tampa area, only reason why I request it to be local is because people shouldn't hand out personal private information over the internet to strangers, but the risk is cut dramatically if I just hand you my laptop for a second while you punch in your important information that I shouldn't get access to.
