BT Card?

[adamkingadam]

---

@LadyJEsq wrote:

Have you tried getting the liens removed? If they don't follow the new rules, which I doubt they would, I would take steps to have them removed. I would look at your local CU or some of the other CUs mentioned here. I think they'll be the only ones to overlook/understand your utilization. If denied initially, you can recon and more than likely find someone sympathetic. 

---

Tried in vein to get the liens removed. I am in Cali and the do not seem to budge on state tax liens. 

[Anonymous]

---

@LadyJEsq wrote:

Have you tried getting the liens removed? If they don't follow the new rules, which I doubt they would, I would take steps to have them removed. I would look at your local CU or some of the other CUs mentioned here. I think they'll be the only ones to overlook/understand your utilization. If denied initially, you can recon and more than likely find someone sympathetic. 

---

Credit Unions are great, but the vast majority of them pull Equifax.

[LadyJEsq]

Really, from my experience, I would say a vast majority pull TU. Plus there are many outliers. I joined two, Bethpage and Vantage West, recently and neither pulled EQ, instead pulling EX. And the other CU I'm a member of, SDFCU, also pulled EX.

[Anonymous]

---

@LadyJEsq wrote:

Really, from my experience, I would say a vast majority pull TU. Plus there are many outliers. I joined two, Bethpage and Vantage West, recently and neither pulled EQ, instead pulling EX. And the other CU I'm a member of, SDFCU, also pulled EX.

---

Excellent. Share that with the OP so they can go for it.

[LadyJEsq]

I'd be happy to share if the OP is interested, however, I think they should start with their local CU first.