topic Re: CU's that pull ChexSystems for membership - IME in Personal Finance

CU's that pull ChexSystems for membership - IME

M_Smart007 — Mon, 05 Sep 2022 22:25:49 GMT

I though I would post some info -> IME, of Credit Unions that DO pull ChexSystems.

This is from my ChexSystems report dated 9-5-2022 .. and covers all the CU's that have pulled ChexSystems in the last three years.

Anything older than three years has fallen off my Chexsystems reports. (all 18 pages)

I wanted to add this, as I see some thread(s) asking "who pulls ChexSystems?"

Hopefully, it can be a DP or two for someone.

While this is not a complete list of ALL CU's that pull. .. It is a list that pretty much guarantee's,

"if" you apply for membership at one of these listed below, that they will most likely inquire of ChexSystems.

I purposely left out some of the less important gibberish, as it is quite long.

---------------------------------------------------------------------------------------------------------------------------------------------------

Chex Systems, Inc.
Attn: Consumer Relations
PO Box 583399
Minneapolis, MN 55458
www.chexsystems.com

09/05/2022
Consumer ID 25XXXXXX for XXXXX XXXXXXX XXXXXX
This report was prepared using the identifiers provided by you. Please provide your Consumer ID number along
with your name and Social Security number in any future contact with Chex Systems, Inc.

Reported Information

These inquiries remain on your file for up to 3 years.

Inquirer: AFFINITY FEDERAL CREDIT UNION; 73 MOUNTAINVIEW BLVD, BASKING RIDGE, NJ 07920

Inquirer: CITIBANK, TEXAS; 100 CITIBANK DRIVE, SAN ANTONIO, TX 78245-3214

Inquirer: SIGNATURE FEDERAL CREDIT UNION; 12 HERBERT STREET, ALEXANDRIA, VA 22305

Inquirer: KEYPOINT CREDIT UNION; 2805 BOWERS AVE, SANTA CLARA, CA 95051

Inquirer: UNITED NATIONS FEDERAL CREDIT UNION; 24-01 44TH RD, LONG ISLAND CITY, NY 11101-4605

Inquirer: ALLIANT CREDIT UNION; PO BOX 66945, CHICAGO, IL 60666

Inquirer: SAFE CREDIT UNION; 12519 FOLSOM BLVD, RANCHO CORDOVA, CA 95742

Inquirer: ABOUND FEDERAL CREDIT UNION; 3939 S DIXIE BLVD, RADCLIFF, KY 40160 94065

Inquirer: ANDREWS FEDERAL CREDIT UNION; 5711 ALLENTOWN ROAD, SUITLAND, MD 20746

Inquirer: PROVIDENT CU - MERIDIANLINK ONLINE; 303 TWIN DOLPHIN DRIVE, REDWOOD CITY, CA 94065

Inquirer: PATELCO CREDIT UNION; 156 2ND STREET, MERCED, CA 95344

Inquirer: SAN FRANCISCO FEDERAL CREDIT UNION; 770 GOLDEN GATE AVENUE, SAN FRANCISCO, CA 94102

Inquirer: SANTA CLARA COUNTY FEDERAL C.U.; 1641 N. FIRST ST. #245, SAN JOSE, CA 95112

Inquirer: DIGITAL FEDERAL CREDIT UNION; PO BOX 9130, MARLBOROUGH, MA 01752

Inquirer: USALLIANCE FEDERAL CREDIT UNION; 411 THEODORE FREMD AVE, RYE, NY 10580

Inquirer: SERVICE FEDERAL CREDIT UNION; 18 MANCHESTER SQUARE, PORTSMOUTH, NH 03801

Inquirer: FIREFIGHTERS FIRST CREDIT UNION; 815 COLORADO BLVD, LOS ANGELES, CA 90060-4303

Inquirer: KINECTA FEDERAL CREDIT UNION; 1440 ROSECRANS AVE, MANHATTAN BEACH, CA 90266-3705

Inquirer: BOEING EMPLOYEES CREDIT UNION; 12770 GATEWAY DR, TUKWILA, WA 98168

Inquirer: STATE EMPLOYEES CU OF MARYLAND, INC; 971 CORPORATE BLVD, LINTHICUM, MD 21090

Inquirer: CHARTWAY FEDERAL CREDIT UNION; 5700 CLEVELAND ST STE 101, VIRGINIA BEACH, VA 23462-1752
---------------------------------------------------
8
Inquiries Viewed Only By You

-delete-

Re: CU's that pull ChexSystems for membership - IME

M_Smart007 — Wed, 07 Sep 2022 00:27:13 GMT

Post #2 Reserved for future updates.

Banks & Credit Unions That Are ChexSystems Inquiry Sensitive

https://www.doctorofcredit.com/banks-credit-unions-chexsystems-inquiry-sensitive/

"Yes and collaborating it with Google Sheets CU Info some of the non-sensitive banks require a hard pull for membership which is a double-wammy, especially if you can't reuse the pull."

Taken from this post by @Anonymous

Special Thanks to @FireMedic1 for this post.

Re: Credit unions that don't pull from chexsystems

@FireMedic1 wrote:

NFCU.

DoC Link:

https://www.doctorofcredit.com/banks-credit-unions-dodont-pull-chexsystems/

Taken from this thread:

https://ficoforums.myfico.com/t5/Personal-Finance/CU-s-that-don-t-use-Chexsystems-for-membership/td-p/5917211

Re: CU's that pull ChexSystems for membership - IME

cashorcharge — Tue, 06 Sep 2022 16:34:13 GMT

Thanks for providing that info @M_Smart007

Re: CU's that pull ChexSystems for membership - IME

M_Smart007 — Wed, 29 Mar 2023 23:44:53 GMT

Adding to Post#1 of the ever growing list of Credit Union Memberships.

REDSTONE FEDERAL CREDIT UNION / DID NOT PULL ChexSystems

https://www.redfcu.org/

(Click image to enlarge)

*These listed below, all pull ChexSystems for Membership

**DEPARTMENT OF THE INTERIOR FCU = HP on Equifax for Membership

Inquirer: GOLDEN 1 CREDIT UNION; 8945 CAL CENTER DRIVE, SACRAMENTO, CA 95826
Inquirer: DEPARTMENT OF THE INTERIOR FCU; 1849 C STREET NW, RM B038, WASHINGTON, DC 20240
Inquirer: BETHPAGE FEDERAL CREDIT UNION; 899 SOUTH OYSTER BAY ROAD, BETHPAGE, NY 11714
Inquirer: NIH FEDERAL CREDIT UNION; 111 ROCKVILLE PIKE, ROCKVILLE, MD 20850
Inquirer: CONSUMERS CREDIT UNION; 2750 WASHINGTON ST, WAUKEGAN, IL 60079

My ChexSystems report remains "clean" / no derogatory items.

(Click image to enlarge)

Re: CU's that pull ChexSystems for membership - IME

AndySoCal — Thu, 30 Mar 2023 18:57:19 GMT

@M_Smart007 @cashorcharge

This is a link from the Doctor of Credit on the subject

https://www.doctorofcredit.com/banks-credit-unions-dodont-pull-chexsystems/#comments

Re: CU's that pull ChexSystems for membership - IME

M_Smart007 — Thu, 30 Mar 2023 23:09:19 GMT

@AndySoCal wrote:
@M_Smart007 @cashorcharge

This is a link from the Doctor of Credit on the subject
https://www.doctorofcredit.com/banks-credit-unions-dodont-pull-chexsystems/#comments

Thanks @AndySoCal !

That link is actually buried at the bottom of POST #2

Re: CU's that pull ChexSystems for membership - IME

butterpecan — Mon, 12 Jun 2023 03:17:57 GMT

@M_Smart007Looking through here I noticed you must now belong to NIHFCU being they pulled your ChexSystems. Can you tell me anything in particular about this CU? And was there a HP for the membership? Thanks.

Re: CU's that pull ChexSystems for membership - IME

M_Smart007 — Mon, 12 Jun 2023 03:39:07 GMT

@butterpecan wrote:
@M_Smart007Looking through here I noticed you must now belong to NIHFCU being they pulled your ChexSystems. Can you tell me anything in particular about this CU? And was there a HP for the membership? Thanks.

Hi @butterpecan ,

NIHFCU was a "SP" to join and open a basic membership savings.

They did ask to upload ID and address verification documents. (Pretty standard nowadays)

I have not applied for any credit products at this time.

From what I have gathered on the forum over the years, many seem to be happy with them.

I do not recall reading anything negative about them.

Here are some things to read about membership and more;

https://ficoforums.myfico.com/t5/forums/searchpage/tab/message?advanced=false&allow_punctuation=false&q=nihfcu

Re: CU's that pull ChexSystems for membership - IME

butterpecan — Mon, 12 Jun 2023 09:10:28 GMT

@M_Smart007 Thanks for the link to the post. There isn't much chatter on here about this particular CU but I am a nurse so it continues to pop up in my world surrounded by Healthcare. I will dig into the thread you sent, thanks again.