happygal, were you able by chance to verify if Securityplus FCU reports to all 3 credit bureaus? I'm interested in opening an account with them for this option too. My current credit union only offers shared secured loan/credit card which I was going to do but it is a HP and they only report to EX and TU.
Thanks and good luck. 
ACC has been a bust for me too. Paid for a lifetime membership, wrote to ask if I could dump SecurityPlus and go with SDFCU and never heard back. Been busy with other things and have not pursued any further.
However, I did get that one negative taken off that would have fallen off anyway in March 2015 by Transunion so am now waiting to see how it affects my TU FICO here on the 10th. Has already made my Credit Karma and Cap One scores go from 631 to 671. TU FICO is 591 and if it also goes up 40 I'll have a 631 with them. Fingers crossed.
Mortgage guy also flaked out on me so am now going to apply directly with USDA and see if they approve me.
Will post what happens when it does.
Thank you for the reply above, happygal.
I don't believe your membership with ACC has anything to do with which credit union you wish to bank at so you should be ok there.
I did try applying online with Securityplus but I think I failed one of the security questions (these things ALWAYS ask me about mortgage's etc. that I've never had so I usually do fail online verifications) but the denial popup I received said to contact Chexsystems. I know for a fact that my Chexsystems report is clean because I was denied an account with SDFCU in November. I ordered a report thinking that was the issue, it wasn't as my report is clean. There is not anything on it other than an inquiry in January from Ally Bank (I have two accounts with them). Now I have an inquiry for SDFCU and most likely Eagle Community Credit Union (I have two accounts with them now too).
Anyway, I called Securityplus to find out what was going on since I know my Chexsystems report is clean. The woman said the only person that can tell is the superisor/manager but she wasn't answering her line at the time. She took my name and number and said she'd call me back after she spoke with this other person. She called about 15 minutes later and said they didn't show in their system I'd even applied and suggested I mail in the application. I'm supposed to include a copy of my driver's license, another form of id such as ss card or utility bill and a copy of the ACC certificate since that's my membership eligibility. Oh, I'm also supposed to include the $5 for savings. I'm going to send all this in with a handwritten note explaining the inquiries just in case that was the trigger to "deny" me online. We'll see.
For the record, I still don't know why I was denied with SDFCU other than I'm "welcome to come in person to join". Considering I'm in SoCal, I'm not booking a flight to do so!
@thepanttherlady wrote:Thank you for the reply above, happygal.
I don't believe your membership with ACC has anything to do with which credit union you wish to bank at so you should be ok there.
I did try applying online with Securityplus but I think I failed one of the security questions (these things ALWAYS ask me about mortgage's etc. that I've never had so I usually do fail online verifications) but the denial popup I received said to contact Chexsystems. I know for a fact that my Chexsystems report is clean because I was denied an account with SDFCU in November. I ordered a report thinking that was the issue, it wasn't as my report is clean. There is not anything on it other than an inquiry in January from Ally Bank (I have two accounts with them). Now I have an inquiry for SDFCU and most likely Eagle Community Credit Union (I have two accounts with them now too).
Anyway, I called Securityplus to find out what was going on since I know my Chexsystems report is clean. The woman said the only person that can tell is the superisor/manager but she wasn't answering her line at the time. She took my name and number and said she'd call me back after she spoke with this other person. She called about 15 minutes later and said they didn't show in their system I'd even applied and suggested I mail in the application. I'm supposed to include a copy of my driver's license, another form of id such as ss card or utility bill and a copy of the ACC certificate since that's my membership eligibility. Oh, I'm also supposed to include the $5 for savings. I'm going to send all this in with a handwritten note explaining the inquiries just in case that was the trigger to "deny" me online. We'll see.
For the record, I still don't know why I was denied with SDFCU other than I'm "welcome to come in person to join". Considering I'm in SoCal, I'm not booking a flight to do so!
How did you apply online with SDFCU if you don't mind me asking? Online or over the phone?