I recently applied for a personal loan through my credit union to consolidate my cc bills. They denied me - not for late pays or for my BK in 2001, but for recent slow pays. The rep said that though my CR doesn't show 30-day or 60-day lates, they can still see when I have made a payment outside of the grace period.
Be aware of this if you are planning to apply for a loan through a credit union. I assume banks can see the same info.
