https://ficoforums.myfico.com/t5/Credit-Cards/Do-the-big-national-CUs-do-a-lot-of-ARs/m-p/160658#M49971 <DIV>I'm wondering about the likes of JFCU, NFCU, Penfed, Patelco, NASA, DCU, CCCU, Addison, etc.</DIV><DIV>&nbsp;</DIV><DIV>Are they known to do frequent ARs like some other lenders I won't name?</DIV><DIV>&nbsp;</DIV><DIV>*coughAmexcough*</DIV><DIV>&nbsp;</DIV> Fri, 22 Feb 2008 04:34:43 GMT Anonymous 2008-02-22T04:34:43Z https://ficoforums.myfico.com/t5/Credit-Cards/Do-the-big-national-CUs-do-a-lot-of-ARs/m-p/160658#M49971 <DIV>I'm wondering about the likes of JFCU, NFCU, Penfed, Patelco, NASA, DCU, CCCU, Addison, etc.</DIV><DIV>&nbsp;</DIV><DIV>Are they known to do frequent ARs like some other lenders I won't name?</DIV><DIV>&nbsp;</DIV><DIV>*coughAmexcough*</DIV><DIV>&nbsp;</DIV> Fri, 22 Feb 2008 04:34:43 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Do-the-big-national-CUs-do-a-lot-of-ARs/m-p/160658#M49971 Anonymous 2008-02-22T04:34:43Z https://ficoforums.myfico.com/t5/Credit-Cards/Do-the-big-national-CUs-do-a-lot-of-ARs/m-p/160700#M49988 I am going to guess that you're asking because you are curious about possible adverse action?<BR /><BR />If so, credit unions are far less likely than major credit card companies to take AA against you as a result of something on your credit report. I have yet to hear of someone's account being closed of their credit line decreased due to AA as a result of something popping up on their credit reports.<BR /><BR />To answer your question directly though, I do not believe they do very many ARs. I have checking and savings accounts with both Penfed and OCTFCU. I opened Penfed in September 2007 and they have not done any ARs on me. I opened an account with OCTFCU in November 2007 and they have only done 1 AR on me so far.<BR /><BR />YMMV though. Fri, 22 Feb 2008 06:32:44 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Do-the-big-national-CUs-do-a-lot-of-ARs/m-p/160700#M49988 andyaycw 2008-02-22T06:32:44Z