topic Re: Credit unions that don't pull from chexsystems in General Credit Topics

Credit unions that don't pull from chexsystems

mfinsmi1 — Sat, 03 Sep 2022 17:25:23 GMT

Anyone have any recommendations - i wanna grow up credit union relationships for the future while im waiting for my chexsystem to cool off

Re: Credit unions that don't pull from chexsystems

FireMedic1 — Sat, 03 Sep 2022 18:15:43 GMT

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: Credit unions that don't pull from chexsystems

RobynJ — Sat, 03 Sep 2022 20:49:32 GMT

I have joined 3 CU's this year, Del-One, PenFed, and NavyFCU and the only one that is on my checksystems report is Del-One

Re: Credit unions that don't pull from chexsystems

bigseegar — Mon, 05 Sep 2022 11:56:40 GMT

@RobynJ wrote:
I have joined 3 CU's this year, Del-One, PenFed, and NavyFCU and the only one that is on my checksystems report is Del-One

Maybe not an absolute though as PenFed did check my Chexsys (which is and always has been Clear) when I joined a couple years ago.

Re: Credit unions that don't pull from chexsystems

RobynJ — Mon, 05 Sep 2022 16:07:00 GMT

I won't pretend to know the policy, I can only go by what they did with me. The only thing Penfed or Navy did was a SP and nothing else until I applied for a card with Navy and then of course a HP. Once again these are what they did for me. I checked my ChexSystem report probably about 3 weeks ago and also my sagestream/Lexusnexus report maybe a month or two ago.