Posts: 6
Registered: ‎10-20-2012
Credit Union Issues...

My question is this:   Ive heard so much on these boards and other places about how credit unions are the way to go. And ive always been a believer in them as well.  Ive been with my current CU for 3 years and have never had a loan with them so they were never included in my ch7. Additionally i maintain around $1000 in savings and have never come close to a zero balance in checking. I went to see about a possible refi on my car and the loan officer informed me that they couldnt do a loan of ANY kind until 5years post BK. Is that the norm and to be expected? Or is this more of an odd case and I should shop for a different CU? NFCU is out since they were IIB all over one shady CSR. Im also in Alabama so im nowhere close to a Penfed that im aware of.


Thanks for any input.



EQ 547 -10/12
EX 502- 10/12

Ch7 Discharge 7/12
(9/12)Cap1 PlatinumMC-$300, (10/12)Cap1 Cash Reward-$500